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11-13-2007, 09:03 PM
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#1
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Senior Member
Join Date: Nov 2007
Location: San Diego CA
Posts: 205
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I just called Progressive and they took a very long time on the phone to determine how to insure our SMB. Ultimately it came down to this: If there is a stove, sink, refrigerator, furnace, second AC, and a permanently installed marine toilet (not a porta potti), then it is an RV and they can insure it as such. If it lacks the toilet, it cannot be insured by Progressive, as it is classed as a regular vehicle (not an RV) and the presence of the propane tank in a regular vehicle constitutes an "unacceptable risk."
Fortunately GEICO had no trouble insuring it. They did require a list of every modification made to the base van, along with the cost of each.
__________________
Tent camping for now. Dreaming up a new 4x4 SMB. Gas or Diesel?
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11-13-2007, 09:08 PM
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#2
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Senior Member
Join Date: Apr 2007
Location: Parker, CO
Posts: 7,644
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Wow. Interesting. Thought this deserved it's own thread...
__________________
it was good to be back
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11-14-2007, 09:53 AM
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#3
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Senior Member
Join Date: May 2007
Location: Washington - Ridgefield
Posts: 4,728
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State Farm insured our SMB as an RV. It had to have a bed, toilet (no mention of permanently installed), a stove - any 2 out of 3.
Mike
__________________
Alaska to Key West, Labrador and more
Prostate cancer survivor. See Thread Prostate cancer and Sportsmobiles
2015 VW GTI 2020 Fiat 124 Spider
2012 E250 Hitop camper
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11-14-2007, 11:02 AM
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#4
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Senior Member
Join Date: Apr 2007
Location: Santa Barbara, CA
Posts: 1,841
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Progressive has their head up their ass. Find another realistic insurer.
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11-14-2007, 11:09 AM
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#5
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Senior Member
Join Date: Nov 2007
Location: San Diego CA
Posts: 205
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I also checked with GMAC insurance via Good Sam club, and they wanted almost $700/6mos to insure it. GEICO added it to my policy for less than $300/6mos. (I've been with GEICO for about 25 years, good driving record, etc.)
So it's a bit more of a hassle to get it all inventoried with GEICO, but may be worth a call.
__________________
Tent camping for now. Dreaming up a new 4x4 SMB. Gas or Diesel?
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11-14-2007, 11:22 AM
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#6
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Senior Member
Join Date: May 2007
Location: San Diego, CA
Posts: 989
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Lowracer - at least you are trying to insure it as an RV. I went through a ton of pain trying to insure our SMB as an every day driver.
Just to preface this, my wife and I both have clean driving records (no tickets or accidents in the last 10 years). I went through similar problems with Progressive. Geico wouldn't insure it. Liberty Mutual (our old insurance) wanted about $2,000 every six months. State Farm was better but still really expensive. We finally went through AAA and got a very good rate. Unfortunately, they wouldn't insure our home though since they won't insure homes with a flat roof (we have a 10 x 15' roof top deck).
__________________
2007 Ford RB Diesel SMB 4x4 Pueblo Gold; Custom configuration (aisle layout); PIAA 580 driving lights; Picked up on Oct 19, 2007.
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11-14-2007, 12:23 PM
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#7
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Site Team
Join Date: May 2007
Location: Southern New Mexico
Posts: 10,179
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Quote:
Originally Posted by Ford_6L_E350
State Farm insured our SMB as an RV. It had to have a bed, toilet (no mention of permanently installed), a stove - any 2 out of 3.
Mike
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I think I got the same 2 out of 3 requirement when I talked with AAA. As far as I know, it's the same requirement criteria for California (DMV) to classify a vehicle as an RV.
Herb
__________________
SMB-less as of 02/04/2012. Our savings account is richer, but our adventures are poorer.
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11-14-2007, 03:06 PM
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#8
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Senior Member
Join Date: Apr 2007
Posts: 439
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I went w/ State Farm and it was a piece of cake. I have been w/ our local agent for 10+ yrs for both our vehicles and our homeowner's/business insurance. Ended up something like 375.00 for 6 mos. It took 10-15 minutes for my agent to calculate and research things and get back to me - sounds like she also has written policies for a few of the other SMB's here in the Park City area so I think that helped.
Cheers
D
__________________
2002 EB51 7.3L w/ Stage 2- UJoint 6" 4x4 Conversion
2001 RB50 V10 Quigley- SOLD
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11-14-2007, 05:17 PM
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#9
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Member
Join Date: Apr 2007
Location: fallon, nevada
Posts: 81
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Insurance
I have a policy with AON Recreational Insurance, a broker for National General Insurance Co. They wanted a description of the van, ('07 E350 V10), the vin # and what I paid for it. $803/yr. Maybe I should have shopped around.
Philrod
'07 E350 V10 RB50
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11-17-2007, 08:42 AM
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#10
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Senior Member
Join Date: Apr 2007
Location: Pasadena, CA
Posts: 123
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progressive
It has much to do with who your rep is.
If you contact Progressive directly, you are bound to get stuck with an automation who just regurgitates the stuff out of a book. I looked at the difference in going direct vs going through our broker...it was $150 a year (900 vs 1050). Full cost replacement coverage, 100 deductible, highest medical coverage, etc. There were lower cost plans w/hiher deducts. I ended up going with our broker:
They negotitate directly on my behalf if I have any claims and know the insurance jargon better than me. We had to satisfy the two out of three hoop as well. Running water, installed stove and bed covered it.
All of our XRs are insured through Progressive too and we've been happy w/that.
It's frustrating trying to explain to someone what a SMB is. I just faxed our final work order in, with our paid invoice and the broker took care of the rest. It was well worth the extra 150 bucks.
-Jeff
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