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Old 04-03-2017, 06:56 PM   #11
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Progressive won't insure my short bus in Maine! at my wits end.
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Old 04-03-2017, 08:46 PM   #12
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Are you going through a Progressive agent or an independent agent? You'll need to go through an independent agent. Remember the catch phrase, a commercial policy for private use. Progressive farmed my policy out to some trucking insurance company as the underwriter I guess.
Are you having problems because it's a self built motorhome?
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Old 04-03-2017, 08:54 PM   #13
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Originally Posted by Hammerhead View Post
How does the commercial insurance compare price wise to your personal auto insurance?
The commercial rate is expensive, around $125 per month, I am using the van for carpentry work. It is not my main vehicle so this is fine for now, The use will actually be very limited. Without the seats there is a lot more room than my pickup. Once I start the conversion the van will likely sit idle til I am finished. I was also told that when I finish the conversion & get the necessary change from DMV the insurance will be a lot cheaper.
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Old 04-03-2017, 09:02 PM   #14
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Originally Posted by kjelenfy View Post
Progressive won't insure my short bus in Maine! at my wits end.
Like Robin Said you have to go through a broker, the 1800 people don't know how to write these policies. or you can try AIS, they were a little higher than the broker but with the same progressive commercial policy
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Old 04-03-2017, 09:47 PM   #15
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This seems like a good place to post my experience with insurance so far. Please be aware that I haven't bought a bus to convert yet - I'm trying to make sure I can get it home before I buy.

Indiana

I have Auto and Homeowners through State Farm. My agent told me that State Farm will cover a conversion - but only once its converted, so no insurance in driving the thing home. I asked him what the difference is between the converted bus and the original bus if the vehicle is already titled as an RV? He simply said "you're splitting hairs". I said "from my perspective its State Farm that is splitting hairs." He had no answer except "State Farm won't insure you driving it home." I even used the magic words "commercial policy for private use" - yea, didn't work even one little bit.

So, stay away from State Farm. Period.

But in an attempt to keep me as a "customer" he "asked around" a few of his insurance buddies to see if anyone would insure my trip home. So far no takers. I'm betting there won't be.

So now I'm trying to decide how to proceed. The AIS Insurance website wants a make/model to even proceed with anything. I can't seem to find an "independent" insurance broker in Indiana to see what they can get. The best rate I can find in delivering is about $3/mi - OUCH!

So, anyone know of an "independent" Indiana insurance broker I can talk to to find out what insurance company will deliver me a policy on short notice so I can drive a bus home?
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Old 04-03-2017, 10:06 PM   #16
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Those are usually the old mom and pop insurance agents often using an old house as an office. They contact like 40 insurance companies to find one for you.
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Old 04-04-2017, 04:34 AM   #17
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So, anyone know of an "independent" Indiana insurance broker I can talk to to find out what insurance company will deliver me a policy on short notice so I can drive a bus home?
Try looking through the Trusted Choice website for an agent local to you.
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Old 04-06-2017, 04:40 PM   #18
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Location: Lynchburg, VA
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Engine: 5.7 Vortec, GMC
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Update

My insurance company, AIC, has agreed to insure my bus since I'm using it for a construction vehicle. The agent mistakenly filed it as a Savanna van.
End result is $200 more per year than my personal coverage (I now have 3 conveyances with them)
Not ideal but it's probably better to have the commercial coverage.

For those of you with camping and/or living in purposes you may still have to get commercial coverage based solely on how many people you can carry around!
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Old 04-06-2017, 07:52 PM   #19
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Quote:
Originally Posted by Scooternj View Post
Try looking through the Trusted Choice website for an agent local to you.
So far all of them want me to switch ALL of my insurance to them before they will even consider covering a bus to drive it home - even if the bus is titled as an RV.



First time I'm going to say this, but insurance sucks. There, I said it.
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Old 04-06-2017, 08:06 PM   #20
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Good Sam an option IF...

The other day I called Good Sam, and they will and have insured School Bus, Motorcoach and other bus conversions, however it is subject to a more thorough underwriting process, including detailed pictures of your completed build.

I found that the ONLY option to insure your bus PRIOR to converting is a commercial policy, and that's challenging to say the least. However, my experience with law enforcement here in the Portland, Ore area is that they understand this and use much appreciated discretion. I've had some nice encounters with police not having a plate on my bus and moving it from point A to B.

I would find a good commercial insurance agent that specializes in Carnival Amusement insurance.

Companies I know to issue policies to "high risk" groups are:
-Allied Specialty Insurance INC and HAAS & Wilkerson Insurance.
Both of these were used at a few of the carnivals I worked for. Note, that carnivals insure highly specialized and customized equipment. Allied is the most used. Check them out.

Good luck on your journey.
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