Insurance

mikeypj · 08-01-2018, 03:15 PM

I dont get it, why is insuring a bus such a hassle? State farm will insure a bus, but only if all of your policies are with state farm..i even found a place that insures dragsters and airplanes...but they wont insure a bus....ill even pay 6 months up front..lol

EastCoastCB · 08-01-2018, 04:34 PM

Quote:

Originally Posted by mikeypj

I dont get it, why is insuring a bus such a hassle? State farm will insure a bus, but only if all of your policies are with state farm..i even found a place that insures dragsters and airplanes...but they wont insure a bus....ill even pay 6 months up front..lol

I have to buy mine by the year.

mikeypj · 08-01-2018, 05:28 PM

Has anyone tried a company that insures buses or motorcoaches?

mikeypj · 08-01-2018, 05:29 PM

Quote:

Originally Posted by EastCoastCB

I have to buy mine by the year.

Who are you through?

EastCoastCB · 08-01-2018, 08:14 PM

Quote:

Originally Posted by mikeypj

Who are you through?

Went through a local agent who sold me a progressive commercial policy.

mikeypj · 08-01-2018, 09:05 PM

Ive tried numerous local agents with no luck. Everything about this whole bus has been a struggle.. Most of the agents had never heard of such a thing.

Huskerbus · 08-02-2018, 08:15 AM

Insurers don't like the unknown. The actuaries cannot point at a data set and say, "this type of vehicle equals 'X' amount of risk."

So they simply just say no.

mikeypj · 08-02-2018, 12:11 PM

Ive called 18 agents, and even will switch all my car insurance if i need to. This is ridiculous.

Huskerbus · 08-02-2018, 12:13 PM

Quote:

Originally Posted by mikeypj

Ive called 18 agents, and even will switch all my car insurance if i need to. This is ridiculous.

Is Farm Bureau available in your state?

mikeypj · 08-02-2018, 05:29 PM

Quote:

Originally Posted by Huskerbus

Is Farm Bureau available in your state?

Yes farm bureau is here..ive read they are a big NOPE. I have a company that says they are still looking..they have been looking for 2 days. Here is the kicker, i go and pick up my bus tomorrow with or without insurance..about a 100 mile drive. Thinking if i get pulled over pull out car insurance papers and tell the cop im covered for 24 hrs under my policy..it transfers to any vehicle i drive..or so i was told.

o1marc · 08-02-2018, 05:38 PM

Are you ever going to tell us where you are ?

mikeypj · 08-02-2018, 06:16 PM

Quote:

Originally Posted by o1marc

Are you ever going to tell us where you are ?

Only if you dont hold it against me! Des Moines IA.

Huskerbus · 08-02-2018, 08:43 PM

Quote:

Originally Posted by mikeypj

Yes farm bureau is here..ive read they are a big NOPE. I have a company that says they are still looking..they have been looking for 2 days. Here is the kicker, i go and pick up my bus tomorrow with or without insurance..about a 100 mile drive. Thinking if i get pulled over pull out car insurance papers and tell the cop im covered for 24 hrs under my policy..it transfers to any vehicle i drive..or so i was told.

I recently got insured by them for $98 per year. But it’s different in every state.

mikeypj · 08-03-2018, 08:42 AM

Quote:

Originally Posted by Huskerbus

I recently got insured by them for $98 per year. But it’s different in every state.

Do you have a policy with them pre-bus?

Huskerbus · 08-03-2018, 08:51 AM

Quote:

Originally Posted by mikeypj

Do you have a policy with them pre-bus?

I did not, however, I had to bring over auto and home.

mikeypj · 08-03-2018, 10:22 AM

Quote:

Originally Posted by Huskerbus

I did not, however, I had to bring over auto and home.

Well once i get it registered as an RV they will insure it..but liability to just bring it home, im not having any luck. I leave in an hour to pick it up..

o1marc · 08-03-2018, 10:33 AM

Quote:

Originally Posted by mikeypj

Well once i get it registered as an RV they will insure it..but liability to just bring it home, im not having any luck. I leave in an hour to pick it up..

Can you register without having insurance first? You can title it an RV, purchase insurance and then register.

mikeypj · 08-03-2018, 12:23 PM

Quote:

Originally Posted by o1marc

Can you register without having insurance first? You can title it an RV, purchase insurance and then register.

Im not sure how long i have to get it registered before i get reported..i figure d just get it registered and then do the build right..

1olfart · 08-03-2018, 01:24 PM

Make sure your current auto policy doesn't cover new purchases. It's not uncommon for them to work with you. (in our case 7 days) I prefer not to mention the word bus, cause it opens up too many rabbit holes for them to squirm into. Get it to the place where the work will take place and I think you're golden.

PNW_Steve · 08-03-2018, 01:32 PM

Quote:

Originally Posted by 1olfart

Make sure your current auto policy doesn't cover new purchases. It's not uncommon for them to work with you. (in our case 7 days) I prefer not to mention the word bus, cause it opens up too many rabbit holes for them to squirm into. Get it to the place where the work will take place and I think you're golden.

I have similar coverage on purchases as well.

Before leaving to pick up a bus I emailed the vin to my agent and confirmed coverage.

I printed out the reply from my agent to show in case I got pulled over.

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