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Old 05-05-2016, 10:42 PM   #1
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Dreams do come true..Who needs a bus?

ok so I am new to posting and I am new to owning a bus...much to the shock of my family...actually the dream of owning bus is my husband Bryan's..he lived on a bus in downtown Toronto for a couple of years on and off...and since we have been married ...when times are tough or stressful.... I get to hear "that's it I'm buying a bus, we are out of here".l We have a 2000 Ford Diesel Shorty..I do have a few questions Insurance? Does anyone in Ontario know how I can get it insured. It seems a bit more difficult then I thought it would be. Insulation? Why are people taking off the panels and ceiling and insulating (it is already insulated)...as far as I know we will only be using the bus from April to November,so do I need more insulation? I have heard some camp site don't let buses in... is that true?
Lastly ..if anyone is looking for a bus I have an in with the school bus company here in durham region and I can arrange for a bus if someone wants one.

thanks

Mikki and Bryan (still shinny and new)
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Old 05-05-2016, 11:29 PM   #2
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Congratulations on your shorty. That's sure to make a lot of memories. Yes, insurance has been becoming more difficult in the past few years. The way we have been accomplishing getting insurance is going to an independent insurance agent locally. Nearly every time they come up with a "commercial policy for private use" at Progressive, because it's a truck size vehicle. Lots of people with previous policies with other companies are being dropped. Search as long as you like, then look up your local independent insurance agent.
Many of us don't want to do insulation. It depends on what you're using the vehicle for. For spring and summer use like you've mentioned the vehicle heaters should be enough unless you're trying to camp in it during cold weather. That's when you start wishing you had insulated, or even when it's hot weather it can keep in the AC. It's completely optional and for your purposes it would be a lot of work for not much reward.
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Old 05-06-2016, 12:55 AM   #3
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Originally Posted by mirjana View Post
ok so I am new to posting and I am new to owning a bus...much to the shock of my family...actually the dream of owning bus is my husband Bryan's..he lived on a bus in downtown Toronto for a couple of years on and off...and since we have been married ...when times are tough or stressful.... I get to hear "that's it I'm buying a bus, we are out of here".l We have a 2000 Ford Diesel Shorty..I do have a few questions Insurance? Does anyone in Ontario know how I can get it insured. It seems a bit more difficult then I thought it would be. Insulation? Why are people taking off the panels and ceiling and insulating (it is already insulated)...as far as I know we will only be using the bus from April to November,so do I need more insulation? I have heard some camp site don't let buses in... is that true?
Lastly ..if anyone is looking for a bus I have an in with the school bus company here in durham region and I can arrange for a bus if someone wants one.

thanks

Mikki and Bryan (still shinny and new)
Cannot answer insurance questions. However, the reason old insulation is pulled is two fold it is just plain old and dirty or the r value is so low that even a slightly chilly nighy can have you sleeping in a fridgid bus. The campsite thing is true by all accounts, some places will turn you away...flatnose buses seem to be the exception. As they look like most standard rv's. BLM sites dont care really as long as there is space and or a reservation on file.
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Old 05-06-2016, 06:01 PM   #4
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thanks for the info...we have been quoted insurance for commercial but it was really expensive and I have been calling around... I think I might have to take a day off from work just to get it done. I think it is crazy though... the bus is more stable then my brother's nissan camper....I guess different is not good anywhere lolo I hate insurance. So i think we will be fine with the insualation we still have heavy sleeping bags from tenting and we found an electric blanket that only runs 130 watts. Ok let the fun begin.
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Old 05-06-2016, 06:14 PM   #5
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A bus isn't so bad even without insulating. I made it this winter in this bus, but then it did convince me to insulate it this summer. Either way, propane shouldn't be a permanent way to heat because of the humidity in a metal box.

Yeah, basically what I understand to be happening is the independent insurance agent usually takes a couple pics of the exterior of your bus and can personally verify that it's not for commercial use, then they usually hook you up with the progressive commercial policy. Mine was under $400 for a year.
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Old 05-06-2016, 07:25 PM   #6
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congrats on your bus!

if progressive finds out your converting the bus they wont insure you. seriously, in a nut shell the only way to get good coverage (that will hold up in court) is to completely convert to rv, title it as an rv then get policy through good sam. think about this, sure you can talk your way into progressive insuring you, but, when the rubber hits the road and (gods forbid) you actually need it, fact comes to light , it will in any accident report, that it is being converted, you will owe the damages, and the insurance co will toss you under your own bus.....
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Old 05-06-2016, 08:26 PM   #7
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I'm registered, titled and insured as a van. Insurance is not even available here as a self built RV. No questions about it unless you can prove it was built by a professional builder. I've always registered them as regular POVs in the past and I did the same with this one.

I'm not converting this to an RV. Everything here can be put on a dolly and moved to the next bus within 30 or 40 minutes. Outwardly this "van" will have minimal indications that it's anything but a bus. It's insured with the standard Progressive commercial policy as a Bluebird van. As a special needs bus this never had seats to speak of, so the argument was since it's not a bus (without expensive additions) it's not exactly a truck so it must be a van. Titled as a van I can get insurance. As a self built RV in Oregon this would sit without insurance.
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Old 05-06-2016, 11:08 PM   #8
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Congrats on your bus!

Biggest reason you should want to change the insulation is mold. The original fiberglass matting holds a bunch of it. Also remember this, good insulation in the ceiling reflects noise, say from a thunderstorm, not to mention even at 70f a bus can get quite warm inside.

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Old 05-07-2016, 12:26 AM   #9
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Mikki and Bryan, everybody needs a bus. Not everyone realizes it.

That's a Ford cutaway I guess. That should drive very comfortably.
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Old 05-07-2016, 06:44 AM   #10
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Originally Posted by mirjana View Post
thanks for the info...we have been quoted insurance for commercial but it was really expensive and I have been calling around... I think I might have to take a day off from work just to get it done. I think it is crazy though... the bus is more stable then my brother's nissan camper....I guess different is not good anywhere lolo I hate insurance. So i think we will be fine with the insualation we still have heavy sleeping bags from tenting and we found an electric blanket that only runs 130 watts. Ok let the fun begin.
my progressive comercial for privite use policy was 760 the first year and 350 the second year, gota pay to play! good luck
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