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Old 04-12-2018, 01:46 PM   #1
Mini-Skoolie
 
Join Date: Jan 2018
Location: Northern California
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skoolieinsurance.com and others

I'm sure you've also seen them post ads in different skoolie groups. I'm looking at a Ford Collins Cutaway short bus on Monday and thought I'd try to get insurance ready for the drive home (6+ hours).

Just got an Email back from skoolieinsurance.com (which says they belong to my strategic insurance agency) and they quoted me 966$ annual, physical damage only, no liability, with the note attached that full-timers are not accepted for liability.

I'm in California, and I've read a lot of posts about insurance here. If I got it all right:

Progressive: Could insure as commercial vehicle privately owned, just pre-conversion.

Good Sam: Would insure once conversion is complete

AIS: Some guy scored a 125$/year liability for a bus he's converting, the thread says that it's only big busses, though?

Allstate: ?

American Family: ?

State Farm: ?

These are the ones I found on here. Our van is currently insured through Geico, might give them a call as well.
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Old 04-12-2018, 02:44 PM   #2
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AIS declined. They don't offer any kind of insurance for skoolies in California. Bummer.
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Old 04-13-2018, 01:25 PM   #3
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Just posting my California specific results here for anyone to find:

skoolieinsurance.com got me $330 quote for liabiliy through National General, but only for non-full time use!

Good Sam can insure, didn't say anything about full time, but only once it's fully convertet. So I guess were gonna use the first one til it's converted, then switch to Good Sam.
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Old 04-13-2018, 01:43 PM   #4
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I got insurance through progressive as a commercial vehicle for personal use for around 550 for a year. Granted that this is in Texas
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Old 04-13-2018, 02:10 PM   #5
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If it is a cut away van,you might be able to insure it as a van through your normal car insurance
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Old 04-13-2018, 03:09 PM   #6
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Look man. How will they have any idea if you full time or go on two vacations a year?
Take the $330 offer. I know some worry warts on here will disagree with me but it's the best strategy.
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Old 04-13-2018, 03:23 PM   #7
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If there comes a time when a huge payout is required, they certainly can afford to put in the resources to investigate.

Remember, all they need do is deny your claim. The burden is on the consumer to then sue the carrier, and good luck proving you haven't been fulltiming if you have. aka fraud.

And that's just the legal / financial side, there is also an ethical one which really should not require further explanation.

What goes round comes around.
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Old 04-13-2018, 03:56 PM   #8
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Being forced to have insurance isn't ethical or legal. Granted I do to avoid the hassle but we all have the right to travel unencumbered in this country as long as it's not a commercial vehicle.
You can take this to court like Carl Miller and win every time.

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Old 04-13-2018, 04:06 PM   #9
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Quote:
Originally Posted by john61ct View Post
If there comes a time when a huge payout is required, they certainly can afford to put in the resources to investigate.

Remember, all they need do is deny your claim. The burden is on the consumer to then sue the carrier, and good luck proving you haven't been fulltiming if you have. aka fraud.

And that's just the legal / financial side, there is also an ethical one which really should not require further explanation.

What goes round comes around.
Probably best not to mention "ethics" when discussing insurance companies.

They would lose that argument.
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Old 04-13-2018, 08:14 PM   #10
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I never said I assume it of others.

But their choices don't change what I expect of myself.

Yes it may mean I get shafted on occasion, but so be it; being able to sleep well at night is priceless.
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