People that have an old long time family agent often get "normal" policies.
The rest of us stress ourselves out trying to get a policy for our bus until we go to an independent insurance agent and ask for the commercial policy for private use. This is only for about 98% of us though. You may be different.
If you get a regular policy through some inexperienced insurance agent, the policy will be cancelled wthin a period of weeks and you'll loose a portion of your insurance payment. I got sucessivey got three policies that were each cancelled within weeks, even after I had made a full annual payment.
Each of us seems to hate getting on this commercial policy for private use. It is the only avenue for most of us to be able to legally drive our buses. It's a commercial policy, because this is a commercial size vehicle. Apparently it would be a commercial policy for private use if you were camping in a dump truck or other large vehicle too. We're usually only offered liability because these buses can cause massive damage by unskilled drivers that the insurance companies don't want to pay for.
Full coverage for me was about $1,800 per year, and they didn't even want to sell me a full coverage policy. It still would have been a commercial policy for private use though.
Sorry for being repetitive but I know how stressful it is to have a bus and no insurance.
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Robin
Nobody's Business
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