Originally Posted by Scooternj
Have you been doing this online, on the phone, or in person? Online won't always get you what you need, when you need it. In person may actually be faster. And that's funny about Good Sam. When I called them, I got insurance *for* the conversion, prior to converting- but it was Progressive who dropped me faster than a hot potato like everyone else.
progressive RV insurance WILL drop you.. progressive COMMERCIAL will not.. however if you r driving record is not PERFECT then commercial insurance will be EXPENSIVE!!..
maybe my case is different since im keeping my bus as close to a bus as I can legally get away with in ohio...
an "artist bus" is a good description.. progressive said tgey very much cover school busses for personal use... again like others have said, this is talking to them on the phone in person...
my bus wont look like a camper even though i'll have the minimums for a camper as defined by the state.
if you have a full conversion with working bathroom and bathing facilities then good sam seems to be the way to go...
everyone's bus is different and I think thats part of the problem.. insurance companies are designed for "one size fits all" approach..
this is very much like class-car hotrodding.. where heavy modifications are made to the vehicle so it no longer fits anything close to what the car was originally... insurance companies often give owners trouble to heavily modded cars.. for similar reasns as they do with skoolies.. the vehicle's design purpose and specs have gone out the window thus making them feel the risk is much higher...
to *ME* it doesnt make much sense for converted skoolies.. as in a bus the liability factor is MUCH higher.. if I as an amateur flip my bus over with 15 people aboard, the costs are going to go through the roof (medical) compared to their payout because a bunch of metal and wood got smashed and less medical (usually 4 or less on an RV).. but I dont pertain to know how insurance calculates the risk..