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What kind of insurance and reg does your van have?
#1
Ok, this is one of main reasons I joined this forum the other day.  I need to pick your brains. Confused

Way back when, around 20 years ago, I did what I call a "controlled descent" into homelessness(see my intro post for more details).
Anyways, before I wound up buying an old RV, I had seriously considered just buying a full size van to live in.  Problem?  I had called
several insurance companies, and none of them would insure the van for me to live in, telling me that it was technically illegal to live in your vehicle, UNLESS it was an RV.  OhhhhKayyy, so much for THAT idea. Sad  

I then looked into RV insurance, which turned out to be no panacea, either.  First off, I was told I HAD to have a 2nd vehicle, that I CANNOT have the RV as my ONLY vehicle.  Again, OhhhhKayyy, inconvenient and expensive, but not an insurmountable obstacle, in and of itself.
But WAIT!  There's MORE! Rolleyes  I told the insurance company that I planned to live in it F/T(ok, no problem), and just leave it parked at work, (PROBLEM).  They said I cannot take it to work or even just park it at work unless I got *commercial* RV insurance.(ok, I was willing to pay the rather substantial increase in insurance premium, if that's what it took).  Problem? There was NO SUCH THING as *F/T* commercial RV insurance.  Talk about a Catch-22!

So, not wanting to get into even a whiff of potential allegations of insurance fraud, here's what I did: I got regular F/T RV insurance, picked up the RV near Buffalo, drove it back to Long Island, parked it in my employer's fenced-in yard, took the plates off, turned them in to DMV, mailed the receipt to my insurance company, and took the RV off the road - about 1 month after I bought it.  A few weeks later, a spot opened up in a commercial storage yard next door, and I parked the RV there so my employer could no longer hijack me on my day off.  I wasn't allowed to live in it at the time there, but by that time, I had sold my moped, and bought a Ford conversion van - you know, not an RV, but had a comfortable electric bed in the back, so I lived in that on the street for a few weeks.

That was about 20 years ago.  Has anything changed?  Has the insurance market adapted by offering a specialized product tailored to non-RV van dwellers?  You know, like insurance companies now offer reasonably-priced add-ons to your regular car insurance if you're driving for Lyft and Uber?  And if you're F/Ting it in your van, what do you use for a garaging address?
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#2
I think most people just insure their vans as their daily drivers and keep their mouths shut on how many hours per day they are in it.
monkeyfoot
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#3
Can’t answer for America. Or any other province other than BC. Regular insurance so long as your modification doesn’t result in the issue. So you diy propane into your van and it explodes they aren’t paying. But then you’re probably not collecting either.

Sorry we are an international group. Perhaps a few fellow more Yankees will chime in.


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#4
I have an ambo that I tagged as a MH, insurance is cheap & many said it was hard to get them converted but my title said cutaway not ambo & didn't even have a municiple title just a green tittle like most everything else uses in Michigan & I had no issue at all.
"If a law is unjust, a man is not only right to disobey it, he is obligated to do so." - Thomas Jefferson
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#5
(05-17-2021, 03:34 AM)Gr8ful Wrote: I have an ambo that I tagged as a MH, insurance is cheap & many said it was hard to get them converted but my title said cutaway not ambo & didn't even have a municiple title just a green tittle like most everything else uses in Michigan & I had no issue at all.

Funny you mentioned ambo.  I was jussssst about to post a youtube video(not mine) specifically about the subject.  The WEALTH of information is in the COMMENTS, and just as importantly, the REPLIES to those comments.  I learned a LOT, especially about VIN#s and a wide range of differences of how this is/could be handled, depending on where you are located.  I'm going to try and post the video, and will post a link directly to it's youtube page so folks here who are interested, can read the comments.

I'm having a bit of trouble trying to post the video, so here's the link to it:

https://www.youtube.com/watch?v=TRlTGpAFJIE
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#6
(05-17-2021, 01:07 AM)Scott7022 Wrote: Can’t answer for America. Or any other province other than BC. Regular insurance so long as your modification doesn’t result in the issue. So you diy propane into your van and it explodes they aren’t paying. But then you’re probably not collecting either.

Sorry we are an international group. Perhaps a few fellow more Yankees  will chime in.


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Quote:So you diy propane into your van and it explodes they aren’t paying. But then you’re probably not collecting either.
LOL!!  I saw a youtube video about a guy who lived in a step-van he had completely built out, complete with shower w/hot&cold running water.  Nice!  Except for one thing.  The 20# propane tank resided entirely inside the van, just aft of the starboard sliding entry door.  I'm *guessing* the guy decided stealth was more important than safety.  Then again, the guy was traveling alone without so much as a pet with him, so what can I say? Rolleyes
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#7
(05-16-2021, 06:09 PM)Cammalu Wrote: I think most people just insure their vans as their daily drivers and keep their mouths shut on how many hours per day they are in it.

I think so, too, and that's a shame.  Now, more than anytime in US history, there are thousands, more likely tens of thousands of van-dwellers who, for various reasons, have either decided(or were compelled) into the lifestyle.  That there isn't affordable specialty insurance available to cater to the increasing number of van, minivan, car and SUV dwellers in this day and age, is IMHO, a failure of capitalism.  I know insurance companies tend to be conservative by nature, but here is an opportunity for the first car insurance company to seize on the idea, and sign up tens of thousands of vehicle-dwellers, who are by nature, a low-risk group.  After all, when you're literally driving your home - often, your ONLY home around, you're gonna be careful as hell while doing so.

It's a shame that anyone residing in their (non-"RV") vehicle has to insure their vehicle on the down-low, and risk being dropped, and/or having a claim be denied because they weren't, no, COULDN'T be 100% honest with their insurers about how the vehicle would be used, and/or their modifications to the vehicle to make it livable, without risking being turned down for coverage.

Perhaps if insurance companies were inundated with enough requests for this specialty coverage, one of them might take the hint?
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#8
As I said my title was the reg green one & not a municiput title, didn't say ambulance, said cutaway which if I drive 30 miles south into IN they're all over waiting to be an RV, Ambo, etc. What I'd do if I wanted to buy one & wasn't sure & didn't want to lose it is give the seller $100 deposit & if I couldn't get ins I've lost $100. An ambo IMHO is the safest best built rig on the road. Watch some you tube video on the test they put them thru.
I used to fly antiques & wanted to buy a school bus & couldn't buy insurance on that. I wanted to land the plane on top & take it to AirVenture in Oshkosh a week a year. They claimed a school bus was the most dangerous thing on the road in terms of rollovers.  I found a specialty ins co that was over $1500 a year 20 years ago so I passed.
"If a law is unjust, a man is not only right to disobey it, he is obligated to do so." - Thomas Jefferson
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  • PaulOnLongIsland (05-18-2021)
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#9
My rig is a legit rv. But small enough to be my dd as well. Went with the big P. They cover full time, include towing and can cover pets in the event of an accident also.
Affordable and easy to use/access info through the app on my phone.
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  • rvpopeye (05-25-2021)
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