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Old 04-02-2017, 11:10 AM   #1
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Insurance!

My insurance agent initially insured my Shorty with personal liability insurance. Now that the company, AIC has reviewed the policy they are not going to renew in May and have told me I need commercial insurance. My question to them would be, "Do regular privately owned RVs require commercial insurance as well?"
Maybe it's due to the size and weight of the bus? I don't know. This is my first foray into bus conversions!
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Old 04-02-2017, 01:39 PM   #2
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There seems to be some discrimination toward self built motorhomes, but at the same time everyone has seen the buses with wood cabins and VW vans built on top of them. It's legal to build anything you want, but insurers don't have to insure them.

I was told the commercial policy was because it's a commercial size vehicle. Apparently they've also had trouble with people buying buses that have never driven anything of that length before causing accidents. Expensive accidents.

I do not understand why Progressive is the primary one selling these commercial policies for private use. Most other insurers will cancel the policy after several weeks without any real explanation. Progressive was my only choice, but at a fair price in my opinion.
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Old 04-02-2017, 02:27 PM   #3
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Re: Insurance

I had a feeling the commercial insurance requirement was due to size. Mine's only 20' long!
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Old 04-02-2017, 03:52 PM   #4
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I've had Datsuns longer than that. So your bus is a cutaway body style? I'd definitely try to call that a van based on the chassi manufacturer.

This commercial insurance issue seems to be a relatively new thing. It doesn't make sense to me that in a free enterprise market Progressive is the one that does bus insurance. That makes me think of Progressive like Walmart.
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Old 04-02-2017, 04:18 PM   #5
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It's a bus body built on a GMC Savanna van cutaway. That's why the little girl at my insurance agency wrote it up as a van...
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Old 04-02-2017, 05:16 PM   #6
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So it was the VIN that caused the problem at the insurance?
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Old 04-02-2017, 06:03 PM   #7
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Originally Posted by Robin97396 View Post
So it was the VIN that caused the problem at the insurance?
That's what I'm thinking but, it seems the VIN would bring up the van part!
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Old 04-02-2017, 11:09 PM   #8
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Vin

I have Allstate for my cars, when I called to add My "Van" (shuttle bus) last wednesday the broker said the VIN was invalid. I then told him that it was a bus but now there are no seats so it is just a Cargo Van. He then told me he had to personally call an underwriter to get an override. The underwriter didn't approve, & my broker said that the VIN is basicly flagged in their system. He went on to explain that a bus is a major liability as for the amount of passengers it holds. So their policy is no bus vehicles, even if the seats were removed. I then got a commercial policy through progressive.
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Old 04-03-2017, 07:03 AM   #9
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How does the commercial insurance compare price wise to your personal auto insurance?
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Old 04-03-2017, 10:49 AM   #10
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Q&A time?

Commercial insurance is generally more expensive that personal auto, but also has higher liability limits. However, you cannot usually get a commercial policy with a personal use only vehicle.

In VA, Progressive is still not doing buses being converted, or as RVs. They'll consider commercial if there is a commercial use and depending on the # of passengers. National General is still doing converted RVs on a case by case basis, but do not have the surcharge available yet for buses being converted.

I called and checked with both of them while writing this post.

The VIN is going to out, because an RV will generally show as an RV. The bus is going to show as a bus or truck chassis of some kind. The companies will go by the VIN first, and then the agent second, if at all.

Here's the thing: if you don't tell your agent the full truth, you are putting yourself at risk. Every policy we do in VA has a question or statement about misrepresentation. Even if it's unintentional it could leave you without insurance and a big claim.

There is also a question about have you ever been cancelled for misrepresentation. If that's a yes, it's usually an automatic decline.

I've got an example. We insured someone that had a few small stores, and without letting us know they stuck some of those magnetic signs on one of their cars. They had an accident in a parking lot, and their carrier non-renewed the policy. Fortunately for them the claim was paid.
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