Bus insurance - Page 2
 

Bus insurance

Started by DominicM, May 21, 2018, 01:25:34 PM

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scanzel

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.
Steve Canzellarini
Myrtle Beach, SC
1989 Prevost XL

DominicM

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"
67 MCI 5A
I live in Nashville,  and Reside in my 5A in Big Spring TX for work at the moment,  Will update as I move around.

richard5933

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.
Richard
1974 GMC P8M4108a-125 Custom Coach "Land Cruiser" (Sold)
1964 GM PD4106-2412 (Former Bus)
1994 Airstream Excella 25-ft w/ 1999 Suburban 2500
Located in beautiful Wisconsin

sledhead

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
dave , karen
1990 mci 102c  6v92 ta ht740  kit,living room slide .... sold
2000 featherlite vogue vantare 550 hp 3406e  cat
1875 lbs torque  home base huntsville ontario canada

brmax

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
 
1992 MC9
6V92
Allison

Oonrahnjay

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).
Bruce H; Wallace (near Wilmington) NC
1976 Daimler (British) Double-Decker Bus; 34' long

(New Email -- brucebearnc@ (theGoogle gmail place) .com)

eagle19952

They have mine as SE05 Eagle  MH
...Progressive.
Donald PH
1978 Model 05 Eagle w/Torsilastic Suspension,8V71 N, DD, Allison on 24.5's 12kw Kubota.

windtrader

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.
Don F
1976 MCI/TMC MC-8 #1286
Fully converted
Bought 2017

eagle19952

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.
Donald PH
1978 Model 05 Eagle w/Torsilastic Suspension,8V71 N, DD, Allison on 24.5's 12kw Kubota.

whiskey runner

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

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.
Jason & Chello
1991 MCI 102A3, S50 @275hp , Allison 748 - Early stages of converting.

DominicM

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.
67 MCI 5A
I live in Nashville,  and Reside in my 5A in Big Spring TX for work at the moment,  Will update as I move around.

pd4501-771

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.
PD4501-771
PD4501-1001
PD4104-3462
PD3751-686

If you know of the whereabouts of a PD4501 Scenicruiser - I would like to add the serial number to my registry of surviving Scenics.  www.tomsgarageonline.com