All right, Original Poster. Let's see if we can delve into your actual needs, wants, and possibillillyties for a bus. Unless... what you actually should have is chicken coop with its own penicillin factory, in which case you can buy a Winnebago and be done with it.
In utterly random order, which is the only way my handful of a brain works.
Question:
Occasional road trips with the kiddos by tossing a couple futons inside.
Answer:
Wrong.
Elucidation:
There are quite a few small school buses in private ownership, and they are often for sale. Many of those for sale are for sale because they lack legal registration and insurance, because the Title still calls it a Commercial Pupil Transportation Vehicle (or words to that effect), and Liability Insurance for such a Thing costs many thousands of doubloons per second -- because parents tend to consider their children rather precious. Somehow... the old "crunch all you want, we'll make more" does not seem to apply. Go figure.
And so long as the Title says C.P.T.V. (or words to that effect) transporting precious children for pay is OBVIOUSLY what you use it for.
Solution:
Retitle the vehicle as a private Motor Home (a.k.a. house car).
My XXLarge Millicent being a private MH, I pay something like nine cents per century for her legally required minimum Liability Insurance. (Your Driving Record and Relationship w/ Your Insurance Agent May Vary.)
How:
Two – 2 -- moderately-clever humans will need to inspect and approve your vehicle as a MH – one at the DMV, and one at your insurance company.
1 -- Passing the DMV inspection requires time, work, skill, and money. The vehicle must have fixed bunks, a bathroom, a kitchen, dining room, electricity and plumbing, or at least three-out-of-four of such things; and an exterior color which is NOT National School Bus Yellow, or even resembles it.
2 -- Passing the insurance inspection requires bleeping magic, and both Siegfried and Roy are dead now.
Basically, the vehicle must have all the Stuff listed under DMV inspection, AND IT MUST ALL LOOK AND FUNCTION LIKE IT WAS INSTALLED BY A PROFESSIONAL MOTOR HOME FACTORY.
The insurance industry L-O-A-T-H-E-S "skoolies". Especially those with tossed-in futons.
In some cases, several very-nice photos may be adequate.
But here is how insurance companies function:
The agent will eagerly take your money, print you a confidence-inspiring document called a "binder", and tell you that you are all set.
A couple months or days later, an underwriter at the insurance company's headquarters... will study that policy with a quite-large magnifying-lens – and cancel it. Happened to me with my first bus (pre-Millicent). I then drove said first bus to the nearest wrecking yard and donated it to their office coffee fund – brand new fiberglass shower stall and all. Lost cause. Good practice.
This concludes Episode One of
You Need To Know What Da Bleep You Are Doing, presented by Acme Industries – tell'em Wyle E. sent ya.
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