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Old 10-27-2018, 09:33 PM   #1
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Insurance needed for our Skoolie conversion

My husband and I successfully completed the our school bus conversion. It has temporary tags and we live in Maryland. We are looking for insurance but have not had any luck with coverage so far. We tried AIS, Progressive, National General, USAA, and one private insurer. We only need liability only. What does everyone else have for coverage for a school bus conversion to RV?
Thank you
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Old 10-27-2018, 09:59 PM   #2
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Find an agent in your state ideally with relevant experience.

Sweetening the deal by switching over other policies can help motivate them.
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Old 10-28-2018, 01:08 PM   #3
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Get a commercial policy for personal use from Progressive. That’s what I have. Liability is about $550 per year.
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Old 11-15-2018, 05:51 PM   #4
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Geico Commercial?

I bought my bus in OR. The company from whom I bought it sells a lot of them. The owner suggested Geico commercial as the least expensive alternative. He said to tell them itís for personal use for pleasure only (for example) to take the kids to the lake once in awhile. Any thoughts?
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Old 11-19-2018, 02:12 PM   #5
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Same issue obtaining insurance

I am having the same issue regarding coverage. I called Geico and they said no coverage unless it is professional conversion. Btw, I am also an existing customer.
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Old 11-19-2018, 02:25 PM   #6
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The dealer advised me not to tell the insurance company it was a conversion. Not sure how that would impact claims down the road.
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Old 11-20-2018, 10:23 AM   #7
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Originally Posted by Tanker Pilot View Post
The dealer advised me not to tell the insurance company it was a conversion. Not sure how that would impact claims down the road.
Failing to volunteer information is one thing.

However, if you willfully provide face information to obtain a policy you could have claims denied.

Be careful....
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Old 11-20-2018, 11:40 AM   #8
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I would never give false information. Itís not in my DNA. May I ask what insurance company/agent you used?

Thanks!

James
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Old 11-20-2018, 12:19 PM   #9
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its interesting... my guess is progressivei has been getting a lot more calls for converted skoolies lately.. my first bus back in april of 2016. no questions asked.. they insure it... it has an RV title but still has a lot of its seats and still looks fully like a bus.. no permanent beds etc.. my second bus.. they asked "is this a bus? will it stay a bus?" my 3rd bus this summer they ask "this is a bus not to be converted to an RV correct? how many seats does it have? " in my case no biggie because all my busses are staying busses.. but buyer beware for havingf progressive and putting a full conversion in.. I dont think a mini frig and an air mattress on the floor would cause an issue but my guess is they would deny coverage in an accident if it was found your bus was converted fully..

-Christopher
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Old 11-20-2018, 03:16 PM   #10
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Quote:
Originally Posted by Tanker Pilot View Post
I would never give false information. Itís not in my DNA. May I ask what insurance company/agent you used?

Thanks!

James
I have coverage through State Farm. I have insured three buses through State Farm with good success.

Some others here have tried State Farm in other states and not had as much success.

Insurance regulations and available products vary by state. My experience is limited to WA, OR and AZ.
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