| Author |
Message |
Cara Dibnah (66.125.226.167)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 6:37 pm: | |
Hi guys, The insurance policy we have through RVAA, written by Royal & Sun Alliance is not going to be renewed. RVAA found another company (National Interstate Insurance Co.) to switch our policy to. Now they want the conversion to have been professionally done. Have any of you actually renewed through RVAA? Did they accept the appraisal that was used by Royal & Sun Alliance? Any thoughts about insurance companies for bus conversions? I need really current info. Thanks, Cara |
Peter Broadribb (Madbrit) (67.136.113.79)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 6:58 pm: | |
Are RVAA still using Progressive? That's who I used for my bus. When I went through RVAA a couple of years ago, I was offered both Royal and Progressive.
Does the FMCA have any recommendations? Afterall, their organisation started out as a group of bus conversions.
Peter. |
Tony (64.215.196.141)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 7:11 pm: | |
I dont know what all the fuss Is about, as long as you pay the premium and it Is usable now they shouldn't worry about It. |
Cara Dibnah (66.125.226.167)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 7:12 pm: | |
Hey Peter, Things have changed very recently, that is why I was curious if any one had changed from an existing Royal & Sun Alliance policy to whatever RVAA recommended for their particular situation. Thanks, Cara |
DonTX/KS (66.82.9.41)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 9:23 pm: | |
Tony, the answer I got when asking the same question, is that if "professionally converted", anytime there is a problem the insurance company can pass on the claim to the converter, blaming him on whatever malfunction may have caused the problem for at least a portion of the costs.
If there are no such deep pockets around, they are stuck with the entire bill. |
ChuckMC9 (Chucks) (69.3.74.15)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 13, 2004 - 10:33 pm: | |
RVAA did mine, thru Progressive, just 2-3 months ago. Very reasonable & easy to deal with. I had to press just a bit to tell the rep that they could do it, as I had evidence that they do this. (In the archives on this Board!) Generally liability only during conversion, and they knew that it was a 'shade-tree' conversion. Interestingly enough, after that deal was confirmed they tried to upsell me to full policy for value paid for the shell. From what I understand, once it has been converted, an appraisal can be had for which they will then insure for appraised value.
If you want to know who I talked to I can probably find it in my notes if you want to pursue. |
James Maxwell (Jmaxwell) (66.81.213.134)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 14, 2004 - 1:01 am: | |
I would suggest that u get that name from Chuck, because RVAA seems to have a different line of bs for everyone, depending on who u talk to. And, if u have anything other than an Eagle, MCI, Prevo, or GM you are sure to be low-balled by their recommended appraisal company, ADP of Portland. The appraiser really loves GM's & Eagle but is not to in love with MCI and Prevo. Anything else should have been crushed. |
DonTX/KS (66.82.9.27)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 14, 2004 - 9:07 am: | |
An insurance company has a different "tarrif" in each state it operates in. I tried the same approach when finding people had different results with the same insurance company. When working with the above companies using policy numbers and names, I found the rates for identical coverage to be way over double, when the only difference in vehicles was the state that had issued the license plate!
In my case, the two states were Nevada (cheap insurance) and Kansas (expensive insurance).
This is not so much a reflection of accident and loss figures, but that different states required the insurance company to operate at different levels of responsibility, and in some cases the final company with low rates in one state, was not even allowed to do business in another state. |
Doug Dickinson (Dougd470) (65.161.188.11)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 14, 2004 - 10:57 am: | |
I went through a simpilar situation and changed to Progressive through RVIA. No real problem. I have an unfinished shell and they covered it fully - value of shell only - not any in progress improvements. I am on the hook for the improvements unless and until I have an appraisal done. At $250 I decided to wait.
When I switched coverage, my policy went up about 30%, but that was my only option at the time. |
Henry R. Bergman, Jr. (Henryofcj) (63.224.197.10)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 14, 2004 - 7:20 pm: | |
My stripped coach is insured by Progressive. I was very up front with the agent describing the bus and myself doing all the conversion work. No problem. Expensive at around $550 a year with a $6000 value with a $500 deductable, but doable for me. I live in OR. |
James Maxwell (Jmaxwell) (66.81.41.162)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 14, 2004 - 8:31 pm: | |
Henry: Expensive ain't the word. By the time u get that finished and up to just material replacement value, you'll have to have a 3rd income just to pay the insurance. |
Phil (204.89.170.126)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 15, 2004 - 2:28 pm: | |
WOW! I thought New York was an expensive state for insurance. I pay State Farm about $650 a year for full coverage on my Monaco with an insured value of close to $100,000. They only charge me for six months for a one year policy as long as I have another vehicle insured with them. As I have everything (car, truck, motorhome, house, two motorcycles and a trailer) but the airplanes with them I do receive a few discounts. I do not know if they will insure a conversion at similer costs. |
Henry R. Bergman, Jr. (Henryofcj) (63.224.197.10)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, January 17, 2004 - 2:56 pm: | |
At the time I got my coach, the only thing limiting me from the project was finding insurance.
Agent after agent could not help me. My question is...now that I have had insurance for about 3 years,....
....does anyone know of a company other than Progressive who might be a whole lot $cheaper$???
Yeah....once I decide to drop around 25 grand into the project, the insurance costs may/will be absolutely prohibitive.
Progressive does insure owner-built conversions in progress. The question is..why are they soosss expensive...
....and is there anyone out there cheaper? Thanks. |
Ace (24.28.41.194)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, January 17, 2004 - 7:57 pm: | |
We have progressive on our Eagle that we self converted and actually think it was quite reasonable at just under 400 bucks a year fully covered! Have had the policy with NO haggles since the purchase of the bus almost 4 years ago!
Ace |
ChuckMC9 (Chucks) (66.167.165.58)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, January 18, 2004 - 5:18 pm: | |
Good thing we're not commercial:
"...the insurance crisis forces New York operators to pay three times the national average for auto liability coverage. Annual rates of $21,000 and more per bus are commonplace. During the past five years, insurers have abandoned the New York market in droves."
http://www.busandmotorcoachnews.com/artman/publish/article_53.shtml |
ChuckMC9 (Chucks) (69.3.74.20)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 20, 2004 - 10:08 am: | |
Open Letter from RV Alliance America
This is to Escapees Members - I'm a little gunshy about posting external links because I got my hand slapped a few weeks ago, but I@N, if this is verboten, just nuke it.
What are the rules for posting external links again?
Open Letter from RVAA |
Ian Giffin (Admin) (64.228.43.147)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 20, 2004 - 6:53 pm: | |
Chuck,
Your link is appreciated. Thank you.
I believe I speak for most when I say that a link appears to be more sincere when it comes from someone recommending a web site that they benefitted from, rather than hearing of a wonderful web site as described by that web site's owner.
Regards,
Ian
www.busnut.com |
Henry R. Bergman, Jr. (Henryofcj) (63.224.197.10)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 21, 2004 - 6:12 pm: | |
I spoke again this morning with my Progressive agent and she said the high rates were "reflective of the entire market"; whatever that means.
She also suggested that I (not her) research the entire insurance market to see if I could find something cheaper.
Maybe I need to find another agent. But she is the person who went the extra mile and got my insurance for the stripped coach in the first place.
Guess I am stuck between a rock and a hard place. Can not understand why the rates are soos $high$. Maybe a spin off of the 911 thing. Thanks to everyone. |
George H. Williams (24.165.217.64)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, March 01, 2004 - 6:56 pm: | |
This really scares me, in addition to being thought of as a "nut" for wanting to do a conversion. I now learn that the insurance might be the final deciding factor as to whether I go forward with this project. I am on a very limited budget, with big dreams as what the outcome will be. I have been planning, researching and designing for the better part of three years. I intend to purchase my shell at the end of this year. In all my research, even talking to my State Farm agent, I have only gotten "...something like" or "...just about" pricing. It seems that until I purchase my shell, absolute cost are a state secret. |