Bus insurance

scanzel · May 23, 2018, 03:52:33 AM

I finally got Progressive after dumping National General that would only due liability. Had to go through an agent in Oregon, provide detailed pictures and give an estimated value if I had to replace it with something from Ebay or some other site. Took a few weeks to finalize the policy.

DominicM · May 23, 2018, 03:59:01 AM

The lady from Progressive seems to get stuck in a loop. "What is the Model? I can not put motor home in the space. I need a model before we can move forward."

My response was "I am reading the title off to you under model is just says MOTOR HOME"

This was the beginning of a loop back to the question "What is the model"

richard5933 · May 23, 2018, 04:05:10 AM

On our 4106 when they asked the model question I told them 4106. Then they wanted photos and a copy of the title to demonstrate that it was a motor home. Then we had insurance.

sledhead · May 23, 2018, 04:36:47 AM

I had to have my coach ( M C I )appraised before I could insure it . the cost was $ 250 and after it was done I had no problem getting full replacement insurance

dave

brmax · May 23, 2018, 05:26:23 AM

Sometimes its not funny, but I recall doing the registration initially. They had a problem with using the complete: motor coach industries. Reply was, it wont fit. I thought ? Many responses but said can you just use the initials, MCI. That worked for the name anyhow, just as most MVI inspectors would write on their paperwork.

In the model, I would use or try hard to use the original model. I think this is, in its best interest as it directly relates ( to DOT, an actual officer ) the manufactured characteristics of the vehicle or equipment. I say this becaues they " do" have a list with serial locations and other specifics. And actually when they call in or now days just type it in on their mobile laptop, well it comes up on screen correctly in short order.

Now if and when rebuilding a bus to an RV type, your state has a name or designation for such vehicle ( it could be motor home ). In this case I would look and or ask personell in that specific office. Like here the Officers have and wear the brown uniform. They also give the drive test, inspect the inspector mechanics on procedures and paperwork.

Good day

Floyd

Oonrahnjay · May 23, 2018, 05:46:16 AM

Quote from: brmax on May 23, 2018, 05:26:23 AM... Now if and when rebuilding a bus to an RV type, your state has a name or designation for such vehicle ( it could be motor home )...

Yes, in North Carolina, the designation is "House Car" (or HC in documents where they us a two-digit code). Having that opens lots of doors for you. I think that the House Car thing is a pretty venerable classification and isn't in step with modern terminology but it's the way to go in NC (and I'm told other states).

eagle19952 · May 23, 2018, 09:25:34 AM

They have mine as SE05 Eagle MH
...Progressive.

windtrader · May 23, 2018, 11:33:27 AM

Quote from: Oonrahnjay on May 23, 2018, 05:46:16 AM
Yes, in North Carolina, the designation is "House Car" (or HC in documents where they us a two-digit code). Having that opens lots of doors for you. I think that the House Car thing is a pretty venerable classification and isn't in step with modern terminology but it's the way to go in NC (and I'm told other states).

Of all the different labels given to bus conversions, house car is the most fitting. I pondered this awhile back and thought it really is a house and a car (motorized vehicle).

A motorhome is not nearly as precise a label. It is a lot more than a motor and generally more a house than a home unless you FT and have no other place you could call home.

eagle19952 · May 23, 2018, 11:49:25 AM

Quote from: windtrader on May 23, 2018, 11:33:27 AM
unless you FT and have no other place you could call home.

it is for this very reason that my vehicles and homes/properties are not bundled

vehicles. rolling stock are with Progressive and real estate is with a private group that sells to commercial interests only...not affiliated with a national brokerge, ie: they don't communicate.

whiskey runner · May 24, 2018, 01:38:15 PM

when i took my 1947 white out on its first trip, i called my (at the time) american family agent insure it and all he offered was liability, put it down as a camp bus

i need to insure it again this year and thought about haggerty or some other of the antique vehicle insurance companys.. it is a 47 and has won throphy's at 2 car shows i stopped in at ..

has anyone done this with a vintage bus yet

J_E · May 24, 2018, 06:46:21 PM

Another +1 for State Farm from a local agent.

A few others were willing to cover an already converted coach, but at least a few required an appraisal or inspection.

DominicM · May 24, 2018, 07:02:40 PM

I got ahold of AIS Motor Home Insurance. All they offered was liability for an extreme price.

I got ahold of a broker that Progressive suggested because they wouldn't insure it. The broker came back today with an extremely low liability rate and a not so bad rate for full coverage. Both rates were through Progressive. It would be nice if someone over there could get there head out of their rectum.

Someone at some point registered my MH as an MCA rather than an MCI.. that appeared to make all of the difference.

pd4501-771 · May 24, 2018, 07:16:56 PM

Whiskey runner: I have three coaches with Condon & Skelly. Agreed value. registered as antiques. fully seated coaches. not motorhomes. Bummer is C&S stopped writing policies for buses. I am grandfathered, but no more new policies. Wife says they are trying to tell me something. I don't get it! My fourth is with Hagerty. More expensive than C&S, but agreed value antique, and same full coverage as C&S. I do not know if Hagerty will do motor homes. I doubt it.