[John]

I’m with progressive pay like 6-7k/year. Most others wouldn’t insure me because I get a ton of speeding tickets. Just got the bus but never used it and don’t plan on using it.

[Mike]

We just switched to Nationwide from Progressive. They sold a policy that was ACV (Actual Cash Value) and we now have a Stated Value policy with Nationwide. I hope to never have a claim but if we do, it will be very important in settling a claim fairly. I cannot say anything bad about Progressive, other than they don’t offer this type policy. They did have a rate increase which brought the rate inline with what Nationwide charged for a similar type policy. We never had a claim with Progressive, but they were very good at collecting our money. Hope this helps.

[First]

Had a claim with Progressive a couple of years ago. They paid without issue and claims adjuster was familiar Prevost.

Needless to say my rates went up. This will be the 3rd year since the claim and rates are supposed to go down after the 3rd year. Not holding my breath on that.

Chuck

[DON]

I’ve got my 3 cars, stick house and Coach (2012 King Aire) covered by Progressive.

No experience with auto or coach claims. I do have a homeowners claim in flight, I can follow up in a few weeks how that goes.

[Jon]

Thanks to everyone that has provided input. I currently have a policy on the Prevost with National General Insurance. No claims.

I have been thinking about moving to a newer Prevost, 1999-2000. Nationwide will no longer insure a Prevost. They said they are keeping Legacy policy holders, but they will not insure another one if I were to buy one.

I am not sure what I will do. I intend to keep following this thread for a while to see what additional comment is provided. There is just too much ownership history on this forum to ignore the imput.

Guten reisen, good travel, to all.

Ron

[Art]

If you have a stated value with Nationwide its pretty straight forward.

[DON]

While recommendations from others is a good way to evaluate a lot of things I would be concerned about buying insurance based on one or two recommendations. That is not to say the people providing the recommendation are not giving good advice, but that advice needs to be evaluated based on a number of factors.

First, and most important, each state has its own insurance laws, and therefore levels of coverage and service are going to vary from state to state, and the same applies to premiums.

The driving records and claims history of those offering advice also have a large impact on premiums and available coverage. And again each state impacts how previous claims are going to affect renewals, or premiums.

Few insurers have a complete understanding of insuring a bus. Some will write coverage thinking a Prevost conversion is just another Class A motor home. Few will comprehend the complexity of the house systems or the repair costs associated with a commercial bus chassis. Unlike a motor home that scrapes the full length baggage doors requiring new plastic skins, the same damage on the Prevost bay doors can easily equal the replacement value of an entire older Class A.

Just make sure the insurer understands the product. It is easy to get a warm toasty feeling when a well know auto and home insurer is willing to cover the coach for a very inexpensive premium, but that feeling goes away when you have to arm wrestle with the insurer to pay all the costs of repairs.

Never ever lie to the insurer because in the event of a claim that exceeds what the insurance company expected to pay, that lie will be the insurance company’s escape clause.

[Bill]

We have used Safeco for a number of years but have not had a claim. They seem to be pricy but getting full timer insurance can add quite a bit to the total. We are using an agreed value which seems to make sense for these coaches.

[Darrell]

First, and most important, each state has its own insurance laws, and therefore levels of coverage and service are going to vary from state to state, and the same applies to premiums.

— most coverage’s are the same, for instance our policy is the same in 48 states, only 2 states are different. In fact most policies across companies are the same since they are written on ISO forms which each states DOI has approved.

Few insurers have a complete understanding of insuring a bus. Some will write coverage thinking a Prevost conversion is just another Class A motor home. Few will comprehend the complexity of the house systems or the repair costs associated with a commercial bus chassis. Unlike a motor home that scrapes the full length baggage doors requiring new plastic skins, the same damage on the Prevost bay doors can easily equal the replacement value of an entire older Class A.

– if you crash a prevost the insurance will just review the shops estimate and try to find used parts to offset the cost, but for most of the stuff it will be the repair shop that handles the estimate.

Just make sure the insurer understands the product. It is easy to get a warm toasty feeling when a well know auto and home insurer is willing to cover the coach for a very inexpensive premium, but that feeling goes away when you have to arm wrestle with the insurer to pay all the costs of repairs.

– you wont be able to speak to claims with out a claim so its hard to have that discussion

Never ever lie to the insurer because in the event of a claim that exceeds what the insurance company expected to pay, that lie will be the insurance company’s escape clause.

— this, if you tell Insurance the bus is worth 100k and its worth 150k, you can only get paid for 100k. If you can get Agreed value its the best option. There is no discussion on value

[Chuck & Katrina]

Almost no insurance company is willing to do agreed value if the assessed value or recent purchase price exceeds their limit. It used to be relatively easy to get agreed value, but now the limits for agreed value are relatively low and a whole lot of conversions are worth more.

One of the most dangerous things to do is allow the coverage to be undervalued whether it is ACV or agreed value. Premiums are cheaper, but if the damage hits the value the insurance company will write it as totaled, give you a check, and someone will get a bus that has repair costs lower than its real value.

If it is ACV, at least use an appraisal accepted by the insurance company so they cannot decide on their own what the ACV is and put you in the position of having to sue them. Also keep in mind the market value of some Prevost conversions now is so cheap it will not take much damage to get the bus totaled.

---

2000 Featherlite H3-45

2024 Jeep Grand Cherokee

Leesburg, FL

[Jon]

Jon, et al.,

I spent the second year of Law School clerking for an Attorney that specialized in plaintiff lawsuits against insurance companies. That is why hold insurers, bankers, and a few others in not so high esteem. I learned a lot about getting insurers to pay, and when they fought with us, they paid even more. Great work.

I am not unhappy with National General. However, each year, or two, I go through a process of seeing what is available for the Prevost insurance. It is not cost driven as much as it is to see what has changed. I have lived in South Carolina since April, 2005, and I am familiar with South Carolina Insurance requirements. Going through a broker introduces a few challenges.

As you stated, the insurer needs to understand that this is not a typical RV. I have taken great lengths of conversation to make sure they understand what they are insuring. My beauty may be old, but she is still complex and expensive to make right when something goes wrong. Just one thing I kept beating hevily upon was towing. The response, repeatedly iterated by the insurer, is that Class A towing is covered if you stay within the network they recommend. I kept replying that a Prevost is not a typical RV. I sent multiple pictures. I sent detail on the complex mechanical, electrical, and other systems. What did I get? The same response.

I have no claims with National General and I doubt I will change. The $ are not the driver here. It is peace of mind for Tammie and I while we enjoying this beautiful ole gal. She is old. She is sweet. she deserves to be pampered and that is what I intend to do for her.

Safe traveling everyone.

Ron