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Old 02-03-2017, 02:49 PM   #11
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I've always said on here when it comes up that keeping the weight low and centered is important.
I cringe at some of the "double deckers" and home-made scary things done with some buses out there.

I chose to not go the "RV" title route. I'm just insuring it for my personal mobile office and storage. For PERSONAL use. They ask no questions, just send a bill. My conversion won't look radical or hippie, so they'll never really have any reason to say much...
Sometimes I thing titling as an rv makes it more of a hassle than it has to be.
Get a liability policy as a bus for personal use and do what you want, just don't mention it to them, especially the word "conversioN"
Maybe I'm not "converting" mine, I'm just making a "few small changes" to my "bus".
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Old 02-04-2017, 01:38 AM   #12
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To illustrate.... which vehicle has the under-size axles?

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Old 02-04-2017, 03:02 AM   #13
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The only issue with not re titling as an RV is in many states you need a CDL to drive it, if you don't get one and crash will the ins company pay out?

Most states anything non RV and 26k gvwr or above requires CDL. In Ohio my shortie redbyrd is non CDL as it's 17.5k and fitted for less than 16 seats.
I have the same insurance on both busses, one RV titled and the other bus titled ..

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Old 02-04-2017, 05:18 AM   #14
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Quote:
Originally Posted by cadillackid View Post
The only issue with not re titling as an RV is in many states you need a CDL to drive it, if you don't get one and crash will the ins company pay out?

Most states anything non RV and 26k gvwr or above requires CDL. In Ohio my shortie redbyrd is non CDL as it's 17.5k and fitted for less than 16 seats.
I have the same insurance on both busses, one RV titled and the other bus titled ..

Christopher
I don't need a cdl if i'm tagged and registered for personal use.
Ins is just a piece of paper... an extra tax, really.
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Old 02-04-2017, 05:56 AM   #15
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Quote:
Originally Posted by EastCoastCB View Post
I don't need a cdl if i'm tagged and registered for personal use.
Ins is just a piece of paper... an extra tax, really.

is that hosw florida works? I know Ohio even a personal vehicle thats titled as anything other than a Motorhome and is over 26k GVWR or more than 15 passengers requires CDL.. even church busses require CDL in ohio

the insurance company could argue that a driver is improperly licensed and refuse to pay..

what you say is what would make the most COMMON SENSE.. but governments dont operate on common sense...

-Christopher
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Old 02-04-2017, 07:36 AM   #16
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Originally Posted by Njsurf73 View Post
They seem to be comparing it to the 102" wide coaches. But if the weight is good, and the center of gravity is kept low... It was originally designed to have that width axle.
I agree adding all that weight to a roof deck, and even raising the roof can drastically change the center of gravity.

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They also seem to be forgetting that its the newer coaches that are 102" wide. There are still a whole slew of 96" wide coach conversions out there, and they seem to not have any problem insuring them.
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Old 02-04-2017, 08:12 AM   #17
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talking with my insurance agent, the problem is from the past when everyone was buying a bus and doing crap conversions, adding VW vans on the roof, plywood over windows pretty much did anything they wanted, then the insurance cracked down, not just on conversions but anything else that was looking unsafe. When I insured mine, and its titled as a RV, I had to have a inspection done, as well as a propane inspection no problem after that, and that's here in Ontario . But once again insurance company change there rules, there's only a few companies will to insure us,.
Seems the good old days left a bad taste with insurance.
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Old 02-04-2017, 08:29 AM   #18
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Based on their logic...all school buses are inherently dangerous and should therefor be banned from the highways.
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Old 02-04-2017, 09:55 AM   #19
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i think its easy to forget that liability insurance doesn't pay you a cent. it's not based on the type of car you drive. its based on you and your driving history.

liability insurance is a proof of financial responsibility. you purchase a policy that covers financial damage you do to others. each state requires its own minimum amount that you are responsible for.

they sell liability policies to people that need alcohol ignition interlocks. there is no reason for a skoolie to be rejected based on the vehicle.

if you can't get a liability policy you are miscommunicating your needs to the insurance agent. its their business to take your money.

while converting, my liability ins was $40/year (that included rv towing). cheaper than my moped ins which is $80 a year. i've added collision and comprehensive insurance now that i have a running RV.

the only thing i ever needed to buy an insurance policy was a checkbook.
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Old 02-04-2017, 10:59 AM   #20
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The insurance companies have actuary software that tracks past accidents and damages done by each make and model of vehicle. A 30,000 full-frame vehicle will do significantly more damage than a 2200 lb Prius in the event of a collision, thus a larger outlay by the underwriter. This factors into the decision to insure a type of vehicle - at all, let alone the rate at which to charge.

They most definitely do take into effect your past driving experience, tickets, claims paid on accidents, etc. As we get much older- 70's, 80's then your age (experience) works against your rates as statistics have shown increases in elderly drivers rate of incidents.

This is why it super important to fight any moving violation you get- with a lawyer, need be. Insurance companies will roast your rates for long after you paid the fine.

Insurance Laws and rates vary from State to State.
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