Temorary sticker or permit?

[Smallbusprobs]

Hey everybody! I've been looking for buses almost for a year and finally found one I think might be the one! But of course, now it's the dreaded insurance time. I don't currently have insurance as I don't have a vehicle, but my boyfriend does. My question is would he be able to put the bus on his insurance just drive it home from buying it with a temporary tag or something, then once it's in the location I'm doing the build I will work on meeting the motorhome requirements so I can ensure it myself? Will I have problems insuring it as a motorhome if I had the bus have a temporary tag under my boyfriend's name/ different company?

[o1marc]

Check with his insurance company and see if they cover current purchases under his existing policy. State Farm does for 7 days, even though they won't insure the bus as a bus. You can get insurance with nothing more than the VIN of the vehicle. Technically it seems a temp tag is required in every state you go through, though no one is ever pulled over in a bus with no tag in transit. I traveled from Seattle to Atl at 10 over the whole way with no tags, not problem. You won't be able to get valid RV insurance until 4 of 6 requirements have been met in the conversion.

[TheHubbardBus]

If I understand your question correctly, you shouldn't have a problem. Insurers don't insure the owner, they insure the vehicle. For example, we had our bus insured while it was still the property of the school district.

Likewise, there won't be any problem with you insuring it as a motor home just because it was insured as something else under a different name. Again, they're insuring the vehicle, not the owner.

[o1marc]

Originally Posted by TheHubbardBus

If I understand your question correctly, you shouldn't have a problem. Insurers don't insure the owner, they insure the vehicle. For example, we had our bus insured while it was still the property of the school district.

Likewise, there won't be any problem with you insuring it as a motor home just because it was insured as something else under a different name. Again, they're insuring the vehicle, not the owner.

Not necessarliy, often specific drivers are listed on the policy and only those named are covered. If an unlicensed driver got in an accident in my insured bus, I can guarantee they will deny coverage on my insured bus.