Free 7 Day Trial RV GPS App RV Trip Planner Campground Reviews RV Maintenance Free 7 Day Trial ×

Thread Tools Display Modes
Old 10-31-2019, 04:33 PM   #1
Join Date: Jul 2014
Posts: 33

I have a Quigley 4x4, a CCV top and homebuilt interior with a reconstructed title that I'm having trouble getting insurance on, does anyone else have similar issues or any suggestions where I might go?


Eatmorefish is offline   Reply With Quote
Old 10-31-2019, 06:09 PM   #2
Senior Member
Join Date: Jul 2017
Location: San Clemente, CA
Posts: 1,353
Which part is giving you the issue? The build out or the reconstructed title? People have had a hard time with both. I would seek out a “stated value” policy where you agree on a replacement cost with the insurance company.

Grampswrx is offline   Reply With Quote
Old 10-31-2019, 11:00 PM   #3
Join Date: Jul 2014
Posts: 33
Sometimes it’s one thing, sometimes the other, sometimes both. I’ll try that approach, if I can keep them on the line that long. After talking w A LOT of insurance companies it seems campervans are falling out of favor for some reason, homebuilt or not. Considering how many are out there these days, it seems crazy to me. I’m open to any and all suggestions.
Eatmorefish is offline   Reply With Quote
Old 11-10-2019, 10:13 AM   #4
Senior Member
Vanzila's Avatar
Join Date: Nov 2016
Location: Oregon South Coast
Posts: 141
AAA For me at Stated Value. But MY title has always been Clear and I am the only Owner since it rolled off the line.. But Do call AAA and Ask them.
Vanzila is offline   Reply With Quote
Old 11-10-2019, 10:37 AM   #5
Join Date: Mar 2019
Location: San Juans / 10000 Lakes
Posts: 79
I'm also liking into this and would like to change my E350's title to a Class B RV. Has anyone converted a title in Colorado?
1998 E350 7.3 Hightop
r27d is offline   Reply With Quote
Old 11-10-2019, 04:34 PM   #6
Join Date: Jun 2015
Posts: 64
I suggest your insurance problem is the result of the "Reconstructed Title" your vehicle has and not the type of van it is.

Many insurers will only insure a vehicle with a "Reconstructed Title" for Liability coverage only. You are not going to find any insurer that will give you a "Stated Value or Agreed Value" policy on a vehicle with a "Recon" title do to your vehicles previous Salvage History, current "Recon" title and therefore your vehicles "Diminished Value".

Typically vehicles with a "Recon" title are valued in the used vehicle market anywhere from 30%-50% LESS than a identical make/model vehicle in identical condition and mileage than a vehicle with a GOOD clean title. Like it or not that's just the way the market is for a used vehicle with a "Recon" title no matter how nice it is!

Resolving your insurance issue may hinge on your potential desire to have full "Comp and Collision" coverage on your rig. You might be better off to self insure for the physical damage portion of your coverage and just apply for Liability insurance coverage ONLY to resolve your current vehicle insurance problems.

Once you have Liability insurance coverage with a carrier you might try to add "Comp and Collision" coverage at your 6 month or yearly renewal. Ya never know that might work if you wish to have those additional coverages on your policy.

Another issue that may result is if you have a loan and therefore owe money on your "Recon" vehicle the lender will surely require full coverage insurance. THIS is the "Catch 22" for all vehicles with a "Recon" title and a vehicle loan. The lender may still loan you money to buy the "Recon" title vehicle however YOU might not be able to meet your contractual responsibility of properly insuring the vehicle with Full Coverage Insurance as specified in the loan documents you signed when you borrowed the money to purchase the van IF you purchased the van using some amount of borrowed money.

Just some suggestions you might consider that may help!

Drive Safely!
Remember "Drive Fast, Turn Heads, Break Hearts!"

2001 Chevrolet Express 3500 Quigley 4WD ATF "Bomber Van"
1995 Chevrolet ASSTRO 4WD Quigley Custom Van
1994 Dodge B350 Sportsmobile Van
vintageracer is offline   Reply With Quote
Old 11-20-2019, 08:51 PM   #7
Join Date: Jul 2014
Posts: 33
Thanks for your input. The problem seems to be that it’s both a recon title and a conversion. Some insurers will do one and some the other but I’m having a hard time finding one that will do both. The bummer is that the van is super clean and only has about 35000 on it. I’m starting to think about stripping it and starting over, what a waste.

Eatmorefish is offline   Reply With Quote

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Powered by vBadvanced CMPS v3.2.3

This website is not affiliated with or endorsed by Sportsmobile SIP or any of its affiliates. This is an independent, unofficial site.

All times are GMT -6. The time now is 08:17 AM.

Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2021, vBulletin Solutions, Inc.