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Old 09-07-2017, 12:10 PM   #1
Mini-Skoolie
 
Join Date: May 2017
Posts: 18
Trying to get insured...

Ok, so I'm trying to get my bus insured and everyone is telling me no. Can I just tell them that it is a class A RV? They hear converted school bus and immediately shut me down. How do I get this done?? I have a 32' bluebird tc-2000. It's already converted and has an RV registration.
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Old 09-07-2017, 12:54 PM   #2
Skoolie
 
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Join Date: Jun 2016
Location: Lafayette, Indiana
Posts: 175
Year: 2003
Engine: DT530
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I am with State Farm and had to insure it as a bus. I have 1 year to show that it is an RV (toilet, bed and seating). At that point it will be insured as an RV.

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Old 09-07-2017, 01:27 PM   #3
Mini-Skoolie
 
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How much are you paying... If you don't mind me asking. I purchased from a woman who had been living in the bus for 2 years with her husband and 4 kids. It is fully converted with a bathroom, shore power, and plumbing. I'm waiting to hear back from State Farm at the moment. I'm crossing fingers!
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Old 09-07-2017, 01:48 PM   #4
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insurance

I got the same run around while trying to get insurance for our Skoolie. Allstate agreed to insure it knowing it was a bus being converted. As long as we didn't make structural modification i.e. put in slides etc. we are covered. I would not recommend misleading any insurance company about what they are actually insuring. I will cause you problems when you can least afford it.
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Old 09-07-2017, 02:01 PM   #5
Bus Nut
 
Join Date: Mar 2017
Location: Greenwood, Indiana
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Year: 1999
Coachwork: New Flyer
Chassis: D45HF "Viking"
Engine: 11.1L Detroit Diesel S60
Rated Cap: 51,600
I got pretty much full coverage from Progressive Commercial for about what State Farm is covering my 2008 Mazda 5 for. Please note I'm in Indiana.
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Old 09-07-2017, 02:23 PM   #6
Mini-Skoolie
 
Join Date: May 2017
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I'm in Michigan. After 4 hours of calling, denial, runarounds, etc... Allstate is officially the winner. They were probably the 5th place I called. They are ensuring it with minimum coverage for $36/mo. They know it is a converted school bus and other than dimensions, they didn't ask for any structural info. I did let the rep know in advance that it had a bathroom, shore power, and plumbing and that there was no additional work done like raising the roof or changing the structural body of it. He got all the info like manufacturer, model number, VIN number etc and he said all was good. I asked if it was possible to get denied later on due to it being a conversation and he said no. That it was listed in their system as a bus conversation, which (in his words) "is more common than I thought!" So, I don't think there is going to be an issue. So if you're in Michigan and need to get insured, try Allstate. State Farm will do it too, but unless you have your vehicle and house through them, is really not worth it. (State Farm quoted me $127/mo for absolute minimal coverage.)

Anyways, she's legal to drive now! Hope this info helps others out!
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Old 09-07-2017, 03:04 PM   #7
Skoolie
 
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Join Date: Jun 2016
Location: Lafayette, Indiana
Posts: 175
Year: 2003
Engine: DT530
Rated Cap: 84
I am in Indiana and I pay $225 for six months on a commercial policy. Not sure of the rate as an RV I was just told it would be " considerably less".

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Old 09-07-2017, 03:36 PM   #8
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Location: Eastern WA
Posts: 4,375
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Engine: Cummins ISC (8.3)
Rated Cap: 72
Quote:
Originally Posted by BowserJournal View Post
I would not recommend misleading any insurance company about what they are actually insuring. I will cause you problems when you can least afford it.

AMEN!!


If you fib on your application they can deny coverage if you have a claim.

I make a point to be completely honest when I answer their questions and try to do it by email when I can to provide future documentation of the communications.

I am insured with State Farm. When I completed my first bus they insured it as an RV. The two that I am currently working on are insured as buses for private use. When they are complete we will send pictures and switch to RV insurance. Liability & medical costs around $30/month. Full coverage on my last bus was around $25/month. I do get multi line discounts as I have homeowners, auto & some health coverage with State Farm also.
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Old 09-07-2017, 05:50 PM   #9
Bus Nut
 
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Farm Bureau is your friend. Good Sam/National were raping me at 156.00 per month. With my 2000 Buick and my bus i pay $73.68 per month. Those are very close numbers.
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Old 09-07-2017, 06:27 PM   #10
Skoolie
 
Join Date: Aug 2016
Location: Kansas
Posts: 224
Year: 1995
Coachwork: Thomas
Engine: 8.3 Cummins, 643
The pricing must be different from state to state and based on age/driving record like any other vehicle you ensure I'm in my early 30's and have one speeding ticket on my record. I have mine insured as a commercial for private use, they (progressive) just wanted pictures with the seats out. I pay less than 200 for a full year.... it would have been about 120 as an RV but mines not finished, my new one is barely started lol.

The strange thing is the price was the exact same for both buses. One a 99 37' FE the other a 95 40' RE with higher GVWR.

Just move to Kansas seems easy enough here!
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