Insurance For Vans

[Ironhead]

Since I started this thread I have found coverage up to $25,000 as an "RV". I just submitted what i felt it was worth and they covered it for a year based on that replacement number. I also had a little trouble with the vin as it was originally an "ambulance" from the Ford factory. We'll see though if I actually have to make a claim.

 

[Bbasso]

Wow... just wow.
about an hour ago I got a call from my insurance brokers telling me that my nation wide insurance policy was cancelled at midnight last night.
they excuse they gave me a rather my broker was that I was secretly using my van in private insurance for commercial use.they claim the VIN number is tracing back to a commercial vehicle my insurance broker who is a very nice guy defended my situation saying I was using it for private use only and I had converted it to a camper / my motorcycle hauler. nationwide didn't want to hear any if ands or buts because the VIN number trace it back to previous use more than 3 years ago of commercial use.
what that means is alright I am on the road in Florida with no insurance second if I want to put insurance I have to go with commercial policy I'm paid double what I was paying for less coverage then they want to see a commercial business that the van will be insured under so nationwide go F yourself.

 

[Bbasso]

sorry for the horrible grammar are used speech to text. Lol

 

[Italia64]

Rob don't insurance companies have to give you notice of cancellation, according to a timeline required by law, which gives you time to get other coverage?
Laws do vary by state, but I thought that this notice of cancellation period was a requirement, since most states require insurance by law.

 

[bdog1]

Yea. That's nationwide. And you can count on all the rest being no better! At least it wasn't a result of a claim that they will worm their way out of!

So this means that any commercial vehicle can never be private again? Right! Ever hear of a lease/rental car going private?


Sent by wing, prayer & ATT

 

[Bbasso]

I bought myself a month worth of insurance. .. time to shop!
(Nationwide- suck an egg!)
Any suggestions who I ask a quote from?

 

[packmule]

I've been happy with Geico for several years, insuring a number of vehicles. I just insured our '01 E-350 12 passenger van with no questions asked about 2 months ago. It's not an ambo, but it's worth a shot. I have no idea whether they offer stated value policies or how they handle private vehicles previously registered as commercial.

 

[Bbasso]

I'll ask a local broker soon as I have another pay check
One good thing about 42 yrs old and a spotless record- rates are cheap...

 

[flightcancled]

Progressive just quoted me $1,660 per year to insure my ambo. Is it me or is that way too much?


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[Jb1rd]

I have USAA as my primary carrier and they farmed out the insurance to Progressive on my B190 because it is an RV so I don't know if it helps but I did a declared value of $15k for now and it cost me $375 a year for full coverage and towing with a $1000 deductible. When the 4wd conversion is done I will do an appraised value and am sure the price will skyrocket accordingly.

Progressive just quoted me $1,660 per year to insure my ambo. Is it me or is that way too much?


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[Shocker]

Progressive just quoted me $1,660 per year to insure my ambo. Is it me or is that way too much?


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Seems nutz to me. Make sure you have it categorized correctly. Progressive is notorious for mis-categorizing vehicles. They might be thinking it is for commercial use. They did the same thing on my daughters Nissan Versa. She was driving it to work (she owns a salon) and they said it was for business use.

 

[flightcancled]

Lesson learned today. I've been working with a local broker to try and get my ambo on the road. I thought leaving it open and unlocked for her inspection would show that no- it's not secretly being used for commercial enterprise.

Instead she found a sticker I hadn't even noticed rating the rig at 11,000lbs. 500 over the limit that most insurance wanted to play with in NY. Awesome.

That leaves patching together a mounted (but not necessarily permanent) stove and a working faucet (but not necessarily a sink) to qualify for Progressive RV insurance which another broker couldn't get for me. ******!? At least they would do RV insurance without an RV tag I guess, that would require a toilet, and clean/black/grey water tanks.

I'll definitely be pursuing alternate avenues- stated/ stated value plans.


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