| Author | Message | ||
| Peter River (Whitebus)
Registered Member Username: Whitebus Post Number: 170 Registered: 4-2009 Posted From: 208.54.14.57  Rating: N/A |
when you get the insurance, they always ask where the vehicle is stored. you can easily lie, but what if you actually get into an accident? is there any fulltimers (using mail forwarder as home base) who had to file claims and had problems? | ||
| john w. roan (Chessie4905)
Registered Member Username: Chessie4905 Post Number: 1779 Registered: 10-2003 Posted From: 71.58.71.157  Rating: N/A |
Nationwide never asked me that. | ||
| Sean Welsh (Sean)
Registered Member Username: Sean Post Number: 983 Registered: 1-2003 Posted From: 67.142.130.46  Rating: N/A |
Peter, We have "full timers' insurance" -- they understand that the domicile address is just that. If you don't get this type of policy, and just insure the rig the same way you would, for example, a car, you might find that your personal property is not covered, and/or you may not be covered for liability when the coach is parked, and you are, say, using the kitchen. Auto policies generally do not cover such things. When we insured our motorcycles (with Progressive), we told them up front that they lived in a bay on our bus, and the only address we could give them for a "principally garaged at" address would be our mail drop. They had no problem with that. You should be 100% up front with your agent about what you are doing, and make sure they inform the underwriter. If possible, get it in writing. Otherwise, just as you fear, any claims could be denied if there is any possibility you were untruthful on the application; worse, criminal penalties can attach depending on your state of domicile. This is one reason most legal experts advise against "cherry picking" addresses (for example, driver license from state A, coach registered in state B, mailing address in state C, etc.). Pick one and only one address, and use it for everything. -Sean http://OurOdyssey.BlogSpot.com | ||
| Peter River (Whitebus)
Registered Member Username: Whitebus Post Number: 172 Registered: 4-2009 Posted From: 208.54.14.62 Rating: N/A |
progressive didn't have any problem with me either. but there were nothing in writing, and I didn't work with agents. just phone and internet. | ||
| Sean Welsh (Sean)
Registered Member Username: Sean Post Number: 984 Registered: 1-2003 Posted From: 67.142.130.44 Rating: N/A |
Sorry, I should have been more clear. We use Progressive for the motorcycles, and we call them directly ("Progressive Direct"), so there is no agent involved. Since Progressive is also the underwriter, I consider the underwriter to be duly informed when I tell the rep on the phone. I'm almost positive, BTW, that they are recording those calls. We insure our coach with National Interstate, one of only a handful of underwriters who will write a "full timer" policy. They do not sell direct; we go through "Poliseek" (formerly AON Recreation Insuarance, formerly RV Aliance America or RVAA, formerly Alexander and Alexander -- I really wish this outfit would pick a name and just stay with it). Other than sending them money, we are not able to talk directly with the underwriter, so everything goes through Poliseek, the agent. We have been very happy, BTW, with Poliseek (and all their previous names), who are one of the very, very few agencies that understand full-time RVers AND bus conversions; a rarefied world indeed. -Sean http://OurOdyssey.BlogSpot.com | ||
| R.C.Bishop (Chuckllb)
Registered Member Username: Chuckllb Post Number: 999 Registered: 7-2006 Posted From: 70.210.214.60 Rating: N/A |
Interesting Sean. I've been with Progressive since Anon (2001). Seamless changes as far as I can remember....and premiums have gone down, albeit no claims. RCB | ||
| Rob Norgren (Robsedona)
Registered Member Username: Robsedona Post Number: 181 Registered: 11-2007 Posted From: 70.212.190.27  Rating: N/A |
Progressive also has a Full Timer package If you do not get the full timer package they want to know where it is parked for most of the year!!!! | ||
| Bruce Henderson (Oonrahnjay)
Registered Member Username: Oonrahnjay Post Number: 485 Registered: 8-2004 Posted From: 70.60.107.113  Rating: |
AllState cancelled most of it's NC policies for RV's about a year ago so I was looking for a policy for my bus (NC insurance officials pulled some kind of stupid stunt that costs insurance companies money). Progressive would not write liability for a private bus in NC (at least that's what tney told me in late 2008). | ||
| Rob Norgren (Robsedona)
Registered Member Username: Robsedona Post Number: 182 Registered: 11-2007 Posted From: 75.208.221.197 Rating: N/A |
Bruce call Poliseek 866-520-7335 I deal with Julia ex 5416 they have many different ways to go and I Believe they can find something for you and remember You are not a Private Bus you are a housecar or motorhome or an RV right? A private Bus is just that a BUS and it hauls People to make money or for their organization IE Not a public Bus but still a Bus IE church Bus is a private Bus. What does your Registrations Say? Mine says MotorHome and I would never tell Ins. people anything But Bus Conversion not "Private Bus" unless your Registration says that and if it does change the Registration to what you really are! | ||
| Bruce Henderson (Oonrahnjay)
Registered Member Username: Oonrahnjay Post Number: 486 Registered: 8-2004 Posted From: 70.60.107.113 Rating: N/A |
Hi, Rob. Thanks for the info. You are right, my vehicle is classified as a "House Car" (code HC on the title) in NC. It is also listed on property tax records (cost me $17 last year) as a "private passenger vehicle" just like most cars that aren't taxicabs and most pickups that aren't delivery vehicles. The AllState policy that got cancelled was their RV policy and NC's insurance bureaucracy had done something stupid re: all RV policies in the state. But I didn't have my vehicle listed or insured as a "private bus". | ||
| Rob Norgren (Robsedona)
Registered Member Username: Robsedona Post Number: 186 Registered: 11-2007 Posted From: 75.209.132.131 Rating: N/A |
Bruce Their are a lot of RV ins. agents listed in NC and progressive is one of them. I must be missing something here Is it all of NC or just the city you live In? And How close are we getting to 1984 in this here USA remember Big Brother :-( I left Calf. to get away From a Imposing Big Brother and Calf is getting Bad and Bad Where will it end? | ||
| Bruce Henderson (Oonrahnjay)
Registered Member Username: Oonrahnjay Post Number: 487 Registered: 8-2004 Posted From: 70.60.107.113 Rating: N/A |
Yeah, Rob, Progressive was advertising big time about how they would cover your RV, your motorcycle, your house, your 4-wheeler and your pets if you gave them all your business. Once AllState had dropped me, I called Progressive and told the woman "here's my deal, cover my bus with liability only while I do the conversion on it and I'll give you my car, motorcyle and two houses to go with it". I spent an hour and 15 minutes with the phone rep (lots of "I need to consult my manager on this) and then finally after we'd hashed over all the details, she says "I just need to get this past my manager" and she comes back "my manager says that we can't offer you this coverage in NC". That's it - no other info or explanation. OK, I was asking her to cover 30 year old British double decker bus and insurers don't like "unusual" things, but I felt really let down. So, I went to Geico who were "no problem". And my house insurance with Geico is 20% less, bus liability about the same, car about 10% less than AllState. (I never got a quote for what the cost would have been with Progressive if they'd offered the coverage.) | ||
| Donald P H (Eagle19952)
Registered Member Username: Eagle19952 Post Number: 13 Registered: 11-2007 Posted From: 75.201.122.181 Rating: N/A |
Hello good people,long time reader infrequent poster here. I too have been with Poliseek for quite sometime and I had one problem. When I bought my coach I insured it garaged in Texas. At a very inoportune moment I was informed that my roadside service was not applicable IN Texas... I have since (that) day used my alternate address. I have two homes in different states. I would determine IF this still applies when adressing my garage location. Just a heads up. Don H. PS. lotsa good info here. Thank-you !! | ||
| Art Gill (Sandcastle)
Registered Member Username: Sandcastle Post Number: 28 Registered: 5-2004 Posted From: 71.50.158.214 Rating: N/A |
Bruce, I have had my RV coverage with NC Farm Bureau since I went to NJ to look at coaches. They also cover my home and I live within one block of the sound in Morehead City. Give them a try if you need another option. Art | ||
| Bruce Henderson (Oonrahnjay)
Registered Member Username: Oonrahnjay Post Number: 488 Registered: 8-2004 Posted From: 70.60.107.113 Rating: N/A |
Hi, Art. I'll give that another try. I went to the Farm Bureau office in Wallace; gave them all the details "if you'll cover my bus/RV, I'll give you my car, motorcycle, and two house insurance". We'll call you back tomorrow, they said. A week later, I called them. "Oh, it's too close to hurricane season to write new policies". I called them a month later "Oh, no, we can't cover anything like that." It's probably a good thing that an agent will let you know early on tht you shouldn't be associated with them (IYKWIM!). I'll try the offices in Warsaw and Burgaw. | ||
| Rob Norgren (Robsedona)
Registered Member Username: Robsedona Post Number: 189 Registered: 11-2007 Posted From: 75.208.107.229 Rating: N/A |
Maybe just tell them the make and model of the RV house car and not tell them Its a 2 decker Wow this Is a bummer. If its a NC thing boy would I move Fast! Good Luck finding what you need to get Ins. | ||
| Bruce Henderson (Oonrahnjay)
Registered Member Username: Oonrahnjay Post Number: 489 Registered: 8-2004 Posted From: 70.60.107.113 Rating: N/A |
Rob, on the same day that Progressive wasted about an hour and a half of my time, I called Geico. Same thing "what model? OK I got to run this by my manager" then "how long is the vehicle? OK I got to run this by my manager". After an hour of this, she had her full form filled out (thank God that she was a native English speaker -- I'da pulled what hair I got left out if it was overseas to Asia), it was "OK, I have everything and I have to run this by my manager". I'm thinking "Now comes the let-down" but she comes back "OK, you're approved; here are your rates" (like I said above, pretty good savings from AllState). So, I have insurance (at least liability so I can keep a tag on it and drive it to the tire shop and paint shop etc. while I'm converting). What I'm going to do when it's completed and I need "full coverage" is an open question; I guess that's when I'll need Poliseek. The thing is that my bus was built by the Daimler company in England (the British Daimler company hasn't been associated with Daimler-Benz since WWI) so I'd tell an insurance company that the make was "Daimler" and they'd look all through their listings for a double-decker bus under "Chrysler". No, I have to tell them. But what I did do was tell them "it's a British double-decker bus, Daimler make, year 1976; registered in NC as a 'House Car' because I'm converting it to a motor home, like an RV" so they can't come back to me and say "you didn't disclose all the facts" -- because I did disclose everything. I guess that it scared Progressive and Farm Bureau away but it was OK with Geico. | ||
| Art Gill (Sandcastle)
Registered Member Username: Sandcastle Post Number: 29 Registered: 5-2004 Posted From: 71.50.158.214 Rating: N/A |
Bruce, The agent that provided my binder to bring my coach home had an RV of his own. So, all the company knows is an RV, Eagle and VIN#xxnnddee. I even have a $50,000. declared value. I'm not completely sure what that gets me. I think giving them the VIN# is full disclosure. It may be when you say RV they accept strange brands. I'll be glad to provide my agents name and phone number. But I understand that GIECO did provide you liability. Art |
