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Old 05-07-2019, 04:31 PM   #1
BigSkyWren's Avatar
Join Date: May 2019
Location: Southwest Montana
Posts: 16
Year: 1999
Coachwork: Bluebird
Chassis: International 3800
Indiana Insurance Woes

Hello! New member here, but my husband has been a quiet member for a couple of years now.

We are moving from Indiana to Montana in 2-3 weeks. The exorbitant costs of renting a Uhaul with tight time constraints was going to be painful. So we just purchased our first bus, a 1999 International, for about the same price that renting a Uhaul truck for 6 days was going to cost us. Rip out the seats, make some room, mover! It even comes with a handy wheelchair lift for the heavy lifting!

Through some shenanigans by the previous owner, it's already had the hard work done of being titled as an RV. That said, we're struggling to find insurance for it. I feel like I've called everyone and no one seems willing to insure it as an RV, even though it is currently titled by the State of Indiana RV. And those same people don't seem to want to insure it as "commercial for personal use" because of the RV title.

It is already satisfying several requirements that some of the agents have talked about: new paint job, flashing lights and stop arm removed...but it does still have all of the seats and no actual "living quarters" thus far.

Our current insurance company, who sources the best rates from companies all over couldn't help.

Farm Bureau said they would require it to have a functioning kitchen/bathroom as well and even then couldn't guarantee the underwriters would go for it.

State Farm wouldn't touch it, but the agent I spoke with did thank me for the most exciting day he's had in a while.

Nationwide wouldn't really even discuss it, but did give me the number for National General.

National General requires 6 pictures (front, back, both sides, inside fore and aft views). And I guess we could continue the tomfoolery and send in pictures of a finished bus that isn't ours, but I hate the thought of being dishonest.

My husband isn't opposed to buying a folding camp kitchen with a foot pump sink/toilet and a propane camp stove. But at this point in packing up and moving, I don't want to spend money and waste space on something I don't want to move across the country...just for insurance. And watch that not even be good enough. lol

Anyone else have any novel ideas to get this lovely insured so we can bring it home and have the title transferred and plated?

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