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Old 07-28-2015, 07:26 AM   #1
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Join Date: Jul 2015
Location: Fayetteville
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Default where to get insurance

i am not a "rv specialist" and my rig is not worth over 20k. everytime I even mention box truck conversion i get the phone practically slammed in my face...

what I am is a former RV generator Mechanic and a Truck driver.

I know my way around some hand tools and I'd like the oppotunity to build my own house truck..

I have approval for the loan i have a truck im aching to buy.. whats holding me up is an insurance company that will provide full coverage while the truck is being converted.

I live in NC presently and I do not know of any such RV Conversion specialists. is it like a building inspector, i do the work and have them check it out so i can be insured?

but im getting ahead of myself. I just need to purchase the vehicle.. at the moment. and in order to do that.. I need full coverage. the box truck is only worth about 7k.. dont want to be paying out my A$$... just needs to purchase it ya know..


cheers,
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Old 07-28-2015, 01:01 PM   #2
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I had BlueSky for 3 years & just dropped 'em when they had a rate hike (almost doubled). I picked up Allstate for the coach back in June (our cars are w/ them too).
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Old 08-19-2015, 03:33 AM   #3
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It all starts with the VIN number, insurance companies break it down letter and number to see exactly what their going to cover. My guess is; it came back with a GVWR that they consider to be commercial, which lead them to question you regarding what exactly your intentions are.

Its the 'while being converted' part that insurance companies don't like. Its not your workmanship skills that's in question, nor do they care that it will be built better than an RV. They want to make sure your covered fully for the loss, so they say. While under conversion, the value of the vehicle is in question. The best you might hope for is liability coverage, then switch to full coverage once the conversion and vehicle has been re-titled/re-certified as an RV. Once its re-titled/re-certified you'll never have any problems.

If you follow though on this project, make sure you keep all your receipts, especially for the big ticket items, like appliances. This helps estimate the value and taxes paid.

If you were to purchase a $2,000 or a $200,000 vehicle built on a commercial truck frame titled as an RV there wouldn't be a problem.
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Old 08-20-2015, 10:00 AM   #4
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I have American Family on my conversion that I am doing myself. Rate is pretty cheap, just as its an RV. My title still has the truck listed as a class 8 truck. American Family was fine with that.
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