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Old 12-16-2017, 01:00 PM   #1
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Insurance trick? Sounds too good to be true

Spoke to a gentleman yesterday selling a converted shortie, and the topic of conversation meandered to insurance. He told me he had insurance with Geico, and I balked at his answer having heard most insurance companies didn't cover conversions.

According to him, what he did was look up the chassis for the bus and had it insured under that make and model. No need for inspection or RV title. A bit sneaky, perhaps dishonest, but one could argue it's a grey area. Has anyone else heard of this?
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Old 12-16-2017, 01:43 PM   #2
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Nope, never heard of that. So no commercial policy? The chassie make and model would still come up as a medium duty truck.
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Old 12-16-2017, 01:59 PM   #3
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Yep, just a normal auto policy according to him.
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Old 12-16-2017, 04:19 PM   #4
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Did that happen to be a short bus? Possibly a cutaway van that could legitimately be called a van?

It's not that insurance companies don't occasionally go the easy route. It's just not common.
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Old 12-16-2017, 04:22 PM   #5
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Old 12-16-2017, 04:35 PM   #6
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Quote:
Originally Posted by Robin97396 View Post
Did that happen to be a short bus? Possibly a cutaway van that could legitimately be called a van?

It's not that insurance companies don't occasionally go the easy route. It's just not common.
Yes, a Chevy short bus. I'm sure that wouldn't work for a normal length bus.
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Old 12-16-2017, 05:14 PM   #7
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That's why it sounds so odd to those of us with full size buses.

The insurance agent plugs in the VIN# and says "It's a bus?" Translate that to "medium duty truck" and insurance options become limited.
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Old 03-15-2018, 04:50 PM   #8
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Insurance

I might be experiancing what your describing I called my insurance guy the other day sent him the Vin and he switched my current auto policy over to the t444e but I also got a motorhome policy I have no idea I thought it would be a huge hastle here in new Jersey but no he switched it right over I have Plymouth rock
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Old 03-16-2018, 07:09 AM   #9
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Yeah, if it's a van chassis short bus then the VIN will simply indicate that it's a van. Those ones are easy to insure unless you freak the insurer out with information overload. It is a van with body modification.
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Old 03-16-2018, 11:34 AM   #10
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Fun

Just an FYI

It is all fun and games to trick a company to get a policy, just wait until you get in a wreck and the adjuster sees you lied to get a policy, the policy will be void and the other driver will easily win his lawsuit for damages.
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