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Old 03-01-2007, 10:11 AM   #1
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Insurance. I called GMAC yesterday.

I got a quote from GMAC yesterday. The lady on the phone told me that because it was a conversion, GMAC would only write me a liability policy. For 250/500k liability and 10k medical, the cost would be $202 every 6 months. There would be no coverage on the bus except for $3500 uninsured motorist. $202 for that much liability coverage is not bad, but I want full coverage. Has anyone else had the same problem with them?
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Old 03-01-2007, 11:06 AM   #2
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I've had GMAC insurance for several years now. As you found out they will not write full coverage on a "conversion"; they will however write a full coverage policy on a motorhome. They told me when I started with them that once I was finished to send them photos and whatever documentation I had on the conversion and after review they could change the designation of my bus to "motorhome" if they deemed the work worthy of that. Sounds fair enough to me; if I were in their position I wouldn't want to issue full coverage insurance on a poorly done rig with questionable installations of electrical systems, propane systems, and such. I don't see their position on full coverage as a "problem", especially given that darn few companies will even offer liability on a conversion bus much less full coverage if you do the work to a professional standard.

I intend to photograph all my installation work, draw up schematics (which will help me later anyway), and write up an Owner's Manual of sorts describing the safety features and operation of each system as if I were doing the conversion for someone other than my self. I'll submit that to them when I'm done and see how it goes.
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Old 03-01-2007, 11:40 AM   #3
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Was the quote I was given in line with what you pay?
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Old 03-01-2007, 10:51 PM   #4
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I pay $300/year through prgressive. I just have the basic coverage - PLPD
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Old 03-02-2007, 03:32 AM   #5
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What sort of limits. When asked, I said that I wanted the max. That was 250k/500k. Is that what you have?
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Old 03-02-2007, 07:28 PM   #6
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I just have the least coverage, Michigan is a "no fault" insurance state.
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Old 03-03-2007, 01:45 AM   #7
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Quote:
Originally Posted by phillbus914
I just have the least coverage, Michigan is a "no fault" insurance state.
me too

i think michigan is kind of an expensive insurance state though
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Old 03-03-2007, 10:41 AM   #8
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So is the price I got pretty good? I thought someone told me that insurance would run me $150-200 per year, but probably not with those limits.
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Old 03-12-2007, 05:47 PM   #9
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Havung trouble there, my agent says Progressive won't even write any policy for a "former" school bus, is that a MN thing or what? I need to get at least the legal minimum for liability, any advice?
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Old 03-12-2007, 05:50 PM   #10
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I have insurance through State Farm have you tried them yet?
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