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Old 04-20-2017, 07:37 PM   #1
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Insurance success!

Won the auction for my short bus last week and have been in an increasing panic all week trying to get it covered before I pick it up tomorrow. Some places were polite, but not helpful, while others were downright rude.

The details:
I got a commercial policy for private use through a Progressive *agent* (you can NOT get any kind of school bus - pre, during, or post conversion - insured yourself through Progressive Direct online). It's liability only and it costs $800 per year (and that's after a $200 discount for multi-policy and paid up front).

A difference agent had quoted a similar policy at $2,100, but he was listing it as "transportation, not for hire" since it's a bus. The final deal I got categorized the policy as "personal - carpentry" since I said I needed the vehicle to haul lumber from the store to my house (not a lie).

Others have said it here, but I 1) didn't believe it and 2) felt sketchy about doing it, but NEVER SAY YOU HAVE A SCHOOL BUS. I simply said I needed to insure a commercial vehicle for personal use and gave the VIN number. It probably helps that I bought a shortie which was built on a Chevy cargo van chassis, so the VIN didn't come back as "bus" (technically, the VIN didn't come back as anything, so I might get denied next week, but that's a problem for future me).

Now my focus is to get the seats out and paint it white so that I can register & insure it as an RV for hopefully much less money.
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Old 04-20-2017, 07:44 PM   #2
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Originally Posted by bfuller181 View Post
Won the auction for my short bus last week and have been in an increasing panic all week trying to get it covered before I pick it up tomorrow. Some places were polite, but not helpful, while others were downright rude.

The details:
I got a commercial policy for private use through a Progressive *agent* (you can NOT get any kind of school bus - pre, during, or post conversion - insured yourself through Progressive Direct online). It's liability only and it costs $800 per year (and that's after a $200 discount for multi-policy and paid up front).

A difference agent had quoted a similar policy at $2,100, but he was listing it as "transportation, not for hire" since it's a bus. The final deal I got categorized the policy as "personal - carpentry" since I said I needed the vehicle to haul lumber from the store to my house (not a lie).

Others have said it here, but I 1) didn't believe it and 2) felt sketchy about doing it, but NEVER SAY YOU HAVE A SCHOOL BUS. I simply said I needed to insure a commercial vehicle for personal use and gave the VIN number. It probably helps that I bought a shortie which was built on a Chevy cargo van chassis, so the VIN didn't come back as "bus" (technically, the VIN didn't come back as anything, so I might get denied next week, but that's a problem for future me).

Now my focus is to get the seats out and paint it white so that I can register & insure it as an RV for hopefully much less money.
Careful. If you change the title before you convert it, progressive will drop you, if they find out. No one I could find would insure a pre or on going conversion.


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Old 04-20-2017, 07:57 PM   #3
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Careful. If you change the title before you convert it, progressive will drop you, if they find out. No one I could find would insure a pre or on going conversion.
AIS (essentially National General) said they would cover during conversion as soon as the seats are out and it's painted not-yellow (would need to take pictures to verify). Post-conversion would need to show evidence of things like bed, stove, water, power, etc.

Either way, I'm not changing the title until everything is done at which point I'd be dropping the Progressive policy anyway.
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Old 04-20-2017, 07:59 PM   #4
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Hmm. I called them and they said they would only cover me after the conversion and I would need pictures. What state are you in?

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Old 04-20-2017, 08:12 PM   #5
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NY, but I don't think I ever gave that info to them. Other RV insurance places told me the same thing - no insurance while it's a bus, insurance options once the seats are removed, better insurance options once it's registered & titled as an RV.
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Old 04-20-2017, 08:21 PM   #6
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Well thank you. I have hope.lol.
I still plan on doing the whole conversion before I start to think about changing insurance companies

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Old 04-21-2017, 07:33 AM   #7
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Disclaimer: I'm in Indiana.

I went online to Progressive Commercial to look for a policy and they quoted me about $630/yr for a policy very much like the policies I have on my cars (100/300/100, etc.). In fact Progressive Commercial didn't discount it very much for basic coverage (25/50/25, etc. - about $560/yr). Be aware, there was two or three places where I selected "for private use" during the Q&A session!

Once I take possession of the bus (I'm having it delivered - really long story), purchase the policy, and receive all the materials, I'll post a quick writeup of what I did.
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Old 04-21-2017, 07:36 AM   #8
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Disclaimer: I'm in Indiana.

I went online to Progressive Commercial to look for a policy and they quoted me about $630/yr for a policy very much like the policies I have on my cars (100/300/100, etc.). In fact Progressive Commercial didn't discount it very much for basic coverage (25/50/25, etc. - about $560/yr). Be aware, there was two or three places where I selected "for private use" during the Q&A session!

Once I take possession of the bus (I'm having it delivered - really long story), purchase the policy, and receive all the materials, I'll post a quick writeup of what I did.
Very similar to my insurance in Massachusetts. They even asked if it was converted, semi-converted, or stock. I fibbed a little and told her the seats were all out already, it saved me $20.00 lol

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Old 04-22-2017, 06:53 PM   #9
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Originally Posted by MarkyDee View Post
Disclaimer: I'm in Indiana.

I went online to Progressive Commercial to look for a policy and they quoted me about $630/yr for a policy very much like the policies I have on my cars (100/300/100, etc.). In fact Progressive Commercial didn't discount it very much for basic coverage (25/50/25, etc. - about $560/yr). Be aware, there was two or three places where I selected "for private use" during the Q&A session!

Once I take possession of the bus (I'm having it delivered - really long story), purchase the policy, and receive all the materials, I'll post a quick writeup of what I did.
That's so strange because when I called Progressive Commercial they told me no flat-out as soon as I uttered the words "school bus."
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Old 04-22-2017, 07:17 PM   #10
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That's so strange because when I called Progressive Commercial they told me no flat-out as soon as I uttered the words "school bus."
All I can suggest is going through their online portal and see if they will quote a policy that way. If you can wait a day or two I'll put up some instructions.
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