Insurance for mtd

GlennB · 07-13-2010, 06:39 PM

Hi, I need some advice ,I just flew up to Md.to pickup a freightliner Mt45 that I wish to buy and drive home to florida to convert to a small motorhome .My insurance agent (nationwide) and several nationwide rv companies are telling me the only way to insure this is with a commercial policy for about $2000 a year and once it is a rv that no one will insure it. I currently own a 35ft GM bus conversion and it only costs about $300 a year.I am not a happy camper and would like any thoughts about the insurance process before I give up and go home empty handed.
Thanks, Glenn

LesReiselt · 12-20-2011, 07:59 PM

Insurance has proven to be our most difficult issue yet but at last is settled and at a reasonable price. We have just bought an International 4300 with the DT 466 engine and 6 speed Eaton-Fuller and a 102" x 26 ft box. Finding insurance has indeed been a task. We first called AAA with whom we have all our other vehicles and our home and were told that they don't do larger than pick-ups and so began our search. RV America, GMAC, Progresssive and others all came up as possibles both online and also as referred by a growing list of agents both locally and at 800 numbers. Several told us to lie and say that the truck was to be used commercially just to get insurance. As a retired police detective I would tell anyone that this is very, very bad advise. Insurance fraud is not a minor offense and being charged with it will really spoil your day. State Farm, e-Surance, plus some locals all gave the same answer, "they didn't have a category for a medium duty truck used for non business purposes." To illustrate just how poorly informed some were, one agent asked if my International 4300 was "something like an F-350."
At last after the better part of 2 days research, I found a web site for The Explorer RV Insurance Agency. They weren't concerned with the box size or even if it had one, they simply said " yes we insure lots of otherwise commercial type vehicles for personal use." Within minutes, I had a quote
and at a good price and it is full coverage, not the liability only being mentioned by all those previous agents. Several minutes later, I had a policy number and temporary insurance cards via e-mail.
I'd recommend this company to anyone. The price was great as well.
Les Reiselt

bushpilot · 12-20-2011, 09:30 PM

we use Blue Sky - Recreational Vehicles | Blue Sky RV Insurance
they know what toter homes, conversion trucks & MDT's are !

LesReiselt · 12-20-2011, 10:15 PM

Bushpilot,
Hopefully I won't be in the same position again but will add Blue Sky to my list of possibles. I love your pictures and will post some as I begin on our project. Before buying the International, I looked at Freightliners and also a KW.
__________________________________________________ ____________________
Les Reiselt

2002 International 4300 DT 466 300 hp, 6 speed Eaton Fuller, 24 ft box

Doc Weaver · 12-22-2011, 08:30 AM

The key to our insurance with State Farm was 2 fold: talking to somebody at State Farm with an ounce of intelligence, and getting the FL60 a new title as a motor home. State Farm will insure motor homes.

LesReiselt · 12-22-2011, 10:39 AM

Doc,
That would have worked for us except that I haven't started the conversion process yet and need insurance for the interim. I didn't find anyone there with any sense. By the way, we bought our truck in Hillsboro and my son picked it up and took it to our farm in Delaware County where we'll be going to pick it up after Christmas. I enjoyed your pictures as well.
------------------------------------------------------------------------------------
2002 International 4300 DT466 300 hp,6 speed Eaton, 24 ft box

Doc Weaver · 12-22-2011, 07:33 PM

yeah, I had to have commercial insurance till I got the title changed

AKat777 · 05-01-2012, 06:32 PM

GMAC is currently my bird in the hand. I am still looking for the birdie in the bush. GMAC is willing to write the policy, liability only (which does not make me happy) and not care what stage of the conversion I am currently in.

I have an email in to Blue Sky, but they have not gotten back to me yet. I will be checking out LesReiselt's suggestion of Explorer RV Agency. I would love to have full comprehensive right off the bat, rather than waiting until the project is finished and a new title is issued.

LesReiselt · 05-01-2012, 08:18 PM

Definitely check out Explorer RV Insurance. They are nice to work with and I thought that the price was good as well. We sold our International mid conversion and bought
a former mobile radiology lab which I'm currently well along the way toward completing.
I should have kept the International but that's a subject for another forum. The insurance for the Freightliner was just over half the cost for the International as it was already registered as a motorhome.
__________________________________________________ _______________________
Les Reiselt '99 Freightliner FL70, Renegade 25ft conversion

07-13-2010, 06:39 PM	#1
GlennB Junior Member Join Date: Jul 2010 Posts: 1	Hi, I need some advice ,I just flew up to Md.to pickup a freightliner Mt45 that I wish to buy and drive home to florida to convert to a small motorhome .My insurance agent (nationwide) and several nationwide rv companies are telling me the only way to insure this is with a commercial policy for about $2000 a year and once it is a rv that no one will insure it. I currently own a 35ft GM bus conversion and it only costs about $300 a year.I am not a happy camper and would like any thoughts about the insurance process before I give up and go home empty handed. Thanks, Glenn __________________

12-20-2011, 07:59 PM	#2
LesReiselt Junior Member Join Date: Sep 2011 Location: SW Florida Posts: 11	Insurance Quagmire Insurance has proven to be our most difficult issue yet but at last is settled and at a reasonable price. We have just bought an International 4300 with the DT 466 engine and 6 speed Eaton-Fuller and a 102" x 26 ft box. Finding insurance has indeed been a task. We first called AAA with whom we have all our other vehicles and our home and were told that they don't do larger than pick-ups and so began our search. RV America, GMAC, Progresssive and others all came up as possibles both online and also as referred by a growing list of agents both locally and at 800 numbers. Several told us to lie and say that the truck was to be used commercially just to get insurance. As a retired police detective I would tell anyone that this is very, very bad advise. Insurance fraud is not a minor offense and being charged with it will really spoil your day. State Farm, e-Surance, plus some locals all gave the same answer, "they didn't have a category for a medium duty truck used for non business purposes." To illustrate just how poorly informed some were, one agent asked if my International 4300 was "something like an F-350." At last after the better part of 2 days research, I found a web site for The Explorer RV Insurance Agency. They weren't concerned with the box size or even if it had one, they simply said " yes we insure lots of otherwise commercial type vehicles for personal use." Within minutes, I had a quote and at a good price and it is full coverage, not the liability only being mentioned by all those previous agents. Several minutes later, I had a policy number and temporary insurance cards via e-mail. I'd recommend this company to anyone. The price was great as well. Les Reiselt __________________

12-20-2011, 09:30 PM	#3
bushpilot Senior Member Join Date: Jul 2011 Location: Tomball Posts: 183	we use Blue Sky - Recreational Vehicles \| Blue Sky RV Insurance they know what toter homes, conversion trucks & MDT's are ! __________________ Don R. '04 Haulmark 42', 2 slide, 10kw - Pictures '04 F350 CrewCab Longbed 4x4, 50g aux tank & gear vendors dbl over

12-20-2011, 10:15 PM	#4
LesReiselt Junior Member Join Date: Sep 2011 Location: SW Florida Posts: 11	Bushpilot, Hopefully I won't be in the same position again but will add Blue Sky to my list of possibles. I love your pictures and will post some as I begin on our project. Before buying the International, I looked at Freightliners and also a KW. __________________________________________________ ____________________ Les Reiselt 2002 International 4300 DT 466 300 hp, 6 speed Eaton Fuller, 24 ft box __________________

12-22-2011, 08:30 AM	#5
Doc Weaver Senior Member Join Date: Jun 2008 Location: West Chester, Ohio Posts: 380	The key to our insurance with State Farm was 2 fold: talking to somebody at State Farm with an ounce of intelligence, and getting the FL60 a new title as a motor home. State Farm will insure motor homes. __________________ Doc Weaver '98 Freightliner FL60 pseudo toy hauler

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12-22-2011, 10:39 AM	#6
LesReiselt Junior Member Join Date: Sep 2011 Location: SW Florida Posts: 11	Doc, That would have worked for us except that I haven't started the conversion process yet and need insurance for the interim. I didn't find anyone there with any sense. By the way, we bought our truck in Hillsboro and my son picked it up and took it to our farm in Delaware County where we'll be going to pick it up after Christmas. I enjoyed your pictures as well. ------------------------------------------------------------------------------------ 2002 International 4300 DT466 300 hp,6 speed Eaton, 24 ft box __________________

12-22-2011, 07:33 PM	#7
Doc Weaver Senior Member Join Date: Jun 2008 Location: West Chester, Ohio Posts: 380	yeah, I had to have commercial insurance till I got the title changed __________________ Doc Weaver '98 Freightliner FL60 pseudo toy hauler

05-01-2012, 06:32 PM	#8
AKat777 Member Join Date: Apr 2012 Posts: 33	GMAC is currently my bird in the hand. I am still looking for the birdie in the bush. GMAC is willing to write the policy, liability only (which does not make me happy) and not care what stage of the conversion I am currently in. I have an email in to Blue Sky, but they have not gotten back to me yet. I will be checking out LesReiselt's suggestion of Explorer RV Agency. I would love to have full comprehensive right off the bat, rather than waiting until the project is finished and a new title is issued. __________________

05-01-2012, 08:18 PM	#9
LesReiselt Junior Member Join Date: Sep 2011 Location: SW Florida Posts: 11	Definitely check out Explorer RV Insurance. They are nice to work with and I thought that the price was good as well. We sold our International mid conversion and bought a former mobile radiology lab which I'm currently well along the way toward completing. I should have kept the International but that's a subject for another forum. The insurance for the Freightliner was just over half the cost for the International as it was already registered as a motorhome. __________________________________________________ _______________________ Les Reiselt '99 Freightliner FL70, Renegade 25ft conversion __________________

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