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Old 09-19-2016, 11:29 AM   #1
Skoolie
 
Join Date: Mar 2016
Location: Hempstead Tx
Posts: 192
Year: 2000
Coachwork: Bluebird
Chassis: International
Engine: t444e
USAA/Progressive

Welp, just spent the morning talking with USAA and affiliates. To sum it up, nobody is covering a skoolie unless the conversion is pro done "to comply with RV codes. When I called back and said private bus (huh?) and got transferred to commercial side I made headway. Since the bus is for "hauling people and equipment to camping locations" and NOT a conversion I was offered a progressive policy via usaa for about $650/yr. May try calling GMAC tomorrow.
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Old 09-19-2016, 12:43 PM   #2
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Engine: DT360
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there must be a whole lot more accidents involving converted skoolies than we know of... whats wierd is it is easy to get a non converted skoolie insured.. which would seem to me to be more of a risk..??

ie unconverted busses being used for parties and moving vans, etc which seems more likely to cause harm than an RV which most people drive carefully and maybe niot even as many hours on the road as a non-converted bus..

-Christopher
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Old 09-19-2016, 09:41 PM   #3
Skoolie
 
Join Date: Mar 2016
Location: Hempstead Tx
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Year: 2000
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Engine: t444e
The funny thing about this is I said "my buddies and I load up our dirtbikes and go raise hell on the weekend". No problem. Want to go camping with my toddler: huge issue.

It's all about poop, and honestly for good reason.
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Old 01-23-2017, 05:37 PM   #4
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Location: Where I Am
Posts: 18
Year: 2004
Coachwork: IC
Chassis: IC3S530
Engine: T444
Rated Cap: 41
Reason Insurance Industry is anti-bus

The reason the insurance industry considers school bus conversions high risk is because their wheelbase is narrow and center of gravity high. Conversions tend to raise COG to the stratosphere if not done properly - making school bus conversions several times more likely to have a catastrophic rollover accident. Something to keep in mind as you design your bus - keep weight low whenever possible.
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Old 01-23-2017, 08:21 PM   #5
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Go online to Progressive & get a quote then call & activate it.

I got lucky & my auto insurance (State Auto) said they will cover it "like a rv since they are similar in size".
$350 a year.

Don't mention a sleeping bag. One guy said that they don't offer insurance for what I plan on using the bus for, it would have to be fully converted.
Be as vague as possible but as truthful as you HAVE to be.
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Old 01-23-2017, 08:36 PM   #6
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Join Date: May 2015
Location: Oklahoma aka "God's blind spot"
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Year: 1989
Coachwork: 1853FC International/Navistar
Chassis: 35' Retired Air Force Ambulance
Engine: DT466, MT643
Rated Cap: 6 souls and a driver
$179 a year for me through Progressive
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Old 01-24-2017, 04:31 AM   #7
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Is yours fully converted? Quoted as a rv or bus?

It amazes me that the liability insurance on a motorhome/rv is cheaper than a standard bus.
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Old 01-24-2017, 05:58 AM   #8
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Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 9,351
Year: 1992
Coachwork: Ward/AmTran
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Engine: dt466
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Progressive think I'm driving around in my bus using it as a mobile office and storage for business. Its $600 a year.
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Old 01-24-2017, 06:23 AM   #9
Mini-Skoolie
 
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Posts: 18
Year: 2004
Coachwork: IC
Chassis: IC3S530
Engine: T444
Rated Cap: 41
My plan is to ...

I have USAA for my car, when I attempted to add the bus to my policy they asked for the VIN. USAA's system would not accept the bus's VIN#. How do you get around THAT I have no idea. My plan at this point is to follow warewolf's Vermont title/tag plan - get an RV title in hand - and try to work from that point. Insurance drives me crazy. The whole concept of liability insurance is completely vehicle independent IMO - liability is created by people, not machines. If I rent a car, or borrow the neighbors car - and I get in an accident - my liability insurance pays for any liability caused by my culpability (whether I'm at fault). It has nothing to do whether I have a school bus in my driveway.
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Old 01-24-2017, 07:18 AM   #10
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Join Date: Oct 2016
Location: Pensacola and Crystal River, FL
Posts: 543
Year: 1998
Coachwork: AmTran International
Chassis: 3800
Engine: Navistar 7.6L
You can't get commercial insurance online with Progressive.

You can go online at Progressive and get RV insurance on your bus.
But in about 30 to 60 days later they will notify you that they are cancelling your insurance. And direct you to call their commercial division.

I bought Progressive RV on my bus Oct. 21st 2016 and they notified me later that they would cancel on Jan 6th, 2017. Seventy five days worth before they yanked.
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