Reply
 
Thread Tools Display Modes
 
Old 02-03-2017, 10:15 AM   #1
New Member
 
Join Date: Jan 2015
Posts: 6
Reasons why insurance co. don't like school bus

Ran across this article recently: https://www.aisinsurance.com/product...ersion.aspx#t3

I don't really follow the argument about the school bus axle not handling the weight of an RV conversion. I would think 65 kids and the seats weigh more than a finished conversion with a few people. Do any of your conversions go over the GVWR of the bus?

I don't have one, yet, but want to convert one some day. The potential insurance issues are a bit of concern.
Attached Images
File Type: png skoolie.PNG (238.5 KB, 74 views)
MartMX is offline   Reply With Quote
Old 02-03-2017, 10:22 AM   #2
Bus Crazy
 
Njsurf73's Avatar
 
Join Date: Jan 2017
Location: Massachusetts
Posts: 1,452
Year: 2002
Coachwork: Bluebird
Chassis: Bluebird
Engine: 5.9 Cummins 24v
Rated Cap: 72 pax
Quote:
Originally Posted by MartMX View Post
Ran across this article recently: https://www.aisinsurance.com/product...ersion.aspx#t3

I don't really follow the argument about the school bus axle not handling the weight of an RV conversion. I would think 65 kids and the seats weigh more than a finished conversion with a few people. Do any of your conversions go over the GVWR of the bus?

I don't have one, yet, but want to convert one some day. The potential insurance issues are a bit of concern.
I agree. If you build it within the weight it should not have any bearing on what's inside.
I plan on weighing mine before and after with a balanced build approach. That being said, all those "tiny house" shows that depict the extreme double decker built of solid wood and steal on a short bus frame... Probably aren't helping the vast majority of people staying comfortably within the gvrr. IMHO.

Sent from my XT1254 using Tapatalk
Njsurf73 is offline   Reply With Quote
Old 02-03-2017, 10:59 AM   #3
Bus Nut
 
tobeamiss's Avatar
 
Join Date: Oct 2016
Location: NY
Posts: 726
Year: 2002
Coachwork: International
Engine: dt466
Rated Cap: 65C-43A
Agreed, I would even bet that the completed conversion probably weighs less than a full busload of people.
tobeamiss is offline   Reply With Quote
Old 02-03-2017, 12:41 PM   #4
Bus Crazy
 
Join Date: Apr 2013
Location: Colorado
Posts: 1,509
Year: 1993
Coachwork: bluebird
Engine: 5.9 Cummins, Allison AT1545
Rated Cap: 2
that's a sale gimmick. plenty of insurers other than AIS insure school bus conversions. they are just trying to sell you a policy with fear of cancellation.

the problem most people have with insurance is their own words. when you tell your agent you bought a schoolbus, they assume you are transporting students for money. that makes you commercial. the agent stops listening at the word "bus" and they either can or can't help you.

go in and tell your agent you bought an rv. that is what you will register it as. they will be happy to sell you an rv policy.

and for the most part, its just a liability policy that you are seeking. the insurance company will not pay for your bus, only damages you cause to others. thats easy money for insurance company.
__________________
.
Turfmobile Build Thread
turf is offline   Reply With Quote
Old 02-03-2017, 12:43 PM   #5
Bus Crazy
 
Elliot Naess's Avatar
 
Join Date: Oct 2005
Location: Clearlake, Northern California
Posts: 2,180
Year: 1992
Coachwork: Blue Bird
Chassis: TC-2000 Frt Eng, Tranny:MT643
Engine: 5,9 Cummins
Rated Cap: 84
.
Here is that text, in case the above image does not open for you. I'm highlighting the pertinent sentence:

Quote:
With underwriting guidelines being tightened to keep losses in check, insurance companies are avoiding certain types of risk. One of the most well-known risks that most specialty RV insurance providers avoid is the school bus conversion. Very few insurance companies will insure this type of vehicle. The main reason cited for this is the axle of a school bus is generally a narrower axle than that of a regular bus. Thus, when the additional weight of the conversion is added, it can result in a top-heavy vehicle, which is more susceptible to rollover accidents. Historically, more serious accidents have occurred to school bus conversions as compared to regular bus conversions-enough that many companies are no longer willing to accept this risk.
This is patently wrong. One glance at the photo of a school bus accompanying this statement disproves the statement. But average citizens have so little understanding of even basic mechanical physics, that all comprehension eludes them.

I suspect this allegation is a blatant pretext -- it is not even a euphemism, nor an error. By citing something that sounds technical -- however much out of the blue -- they avoid saying that school buses are often converted and driven by incompetent hippies on bailing-wire budgets, which is true, and is the real reason for the nasty losses.

There are vehicles -- many of them -- that have this narrow-axle problem, and they are mass-produced RVs. (And a friend of mine here in Clearlake was killed when he tipped his over a couple months ago.)

As for weight.... The only time I get Millicent close to maximum weight... is when I pile her full of steel scaffolding, two pianos, two generators, a couple pallets of beverages, 45 bicycles, and so on and so forth, to build a camp for 30 people and supply them in the bare desert for two weeks. (And I'm not kidding about the pianos.)

What to do about the bailing-wire-hippie problem? Self-policing. And this forum is the perfect place for it.
__________________
Elliot
Millicent The Bus - roof raised two feet, toy-hauler tailgate.
http://www.skoolie.net/forums/f11/th...gate-1564.html
Elliot Naess is offline   Reply With Quote
Old 02-03-2017, 01:39 PM   #6
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 10,017
Year: 1991
Coachwork: Carpenter
Chassis: International 3800
Engine: DTA360 / MT643
Rated Cap: 7 Row Handicap
im guessing part of what they say is true.. more accidents yes..

big coaches are more expensive so people likely take a care to make sure everything is 100% secure..

skoolies ON THIS BOARD are people with safety and build in mind.. but we all know of the skoolie builds with house furniture, frig, etc just sitting on the floor unsecured.. hitting a corner or curve a little fast and having a frig fall over very well could cause the bus to crash...

again it seems the group here is concious of tying things down or mnounting in such a way that the bus is balanced and ready to go... but this is only a small fraction of skoolies out there..
-Christopher
cadillackid is online now   Reply With Quote
Old 02-03-2017, 01:49 PM   #7
Bus Crazy
 
Elliot Naess's Avatar
 
Join Date: Oct 2005
Location: Clearlake, Northern California
Posts: 2,180
Year: 1992
Coachwork: Blue Bird
Chassis: TC-2000 Frt Eng, Tranny:MT643
Engine: 5,9 Cummins
Rated Cap: 84
Quite so, and we on this board ought to do all we can to guide and tutor any questionable skoolie owners we encounter elsewhere.
__________________
Elliot
Millicent The Bus - roof raised two feet, toy-hauler tailgate.
http://www.skoolie.net/forums/f11/th...gate-1564.html
Elliot Naess is offline   Reply With Quote
Old 02-03-2017, 02:15 PM   #8
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 15,552
Year: 2004
Coachwork: IC
Chassis: CE300
Engine: DT466E
Rated Cap: 32
Quote:
Originally Posted by turf View Post
that's a sale gimmick. plenty of insurers other than AIS insure school bus conversions. they are just trying to sell you a policy with fear of cancellation.

the problem most people have with insurance is their own words. when you tell your agent you bought a schoolbus, they assume you are transporting students for money. that makes you commercial. the agent stops listening at the word "bus" and they either can or can't help you.

go in and tell your agent you bought an rv. that is what you will register it as. they will be happy to sell you an rv policy.

and for the most part, its just a liability policy that you are seeking. the insurance company will not pay for your bus, only damages you cause to others. thats easy money for insurance company.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 02-03-2017, 03:15 PM   #9
Traveling
 
Join Date: Nov 2015
Location: Midwest
Posts: 2,573
Year: 2003
Coachwork: BlueBird
Chassis: TC2000
Engine: 5.9L Cummins
Rated Cap: '00
Not me...

I think raising the center of gravity plays a big part in rollovers. Roof-top decks made of pressure treated lumber, suspended cabinets, etc. contribute to change in tipping point. Improperly balanced or baffled water tanks can shift large amounts of weight, very quickly.

Schoolbus drivers also undergo rigorous vetting of driving infractions and undergo training. They also passed CDL driving course test.

No idea what they are talking about axle width- how could it be wider?

Rusty is offline   Reply With Quote
Old 02-03-2017, 03:31 PM   #10
Bus Crazy
 
Njsurf73's Avatar
 
Join Date: Jan 2017
Location: Massachusetts
Posts: 1,452
Year: 2002
Coachwork: Bluebird
Chassis: Bluebird
Engine: 5.9 Cummins 24v
Rated Cap: 72 pax
Quote:
Originally Posted by Rusty View Post
I think raising the center of gravity plays a big part in rollovers. Roof-top decks made of pressure treated lumber, suspended cabinets, etc. contribute to change in tipping point. Improperly balanced or baffled water tanks can shift large amounts of weight, very quickly.

Schoolbus drivers also undergo rigorous vetting of driving infractions and undergo training. They also passed CDL driving course test.

No idea what they are talking about axle width- how could it be wider?

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.

Sent from my XT1254 using Tapatalk
Njsurf73 is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 07:15 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2018, vBulletin Solutions, Inc.