Originally Posted by RDinNHandAZ
I have insurance form Progressive as an RV <$400 annual policy. I bought it through their website as I do for my 4runner and my motorcycles. I have never bought any from a representative of theirs or an agent for them. Easy. They require the van to have a GVRW of over 9,000 lbs., have cooking facilities built in, shore power, bathroom, water storage, and the other features of a Class B van which is the class of insurance I requested. I wouldn’t call an agent or allow them to quote insurance for a commercial vehicle if it’s an RV. Use the internet! I had to pick how many days per year I would use it and I picked a number like 220 as we don’t use it for our everyday driver. They keep your answers so be honest of course but it should work fine. You get a quote and pay. All insurance should be this easy.
I did the same as RD. Actually, I first called them and tried to get RV insurance for my PM, but because they couldn't grasp the concept that a RAM could be an RV, they told me I could not get it insured as an RV and that it would have to be commercial.
The next day I went through the internet and made my selections. I then called them and they looked up my selections, I confirmed some and edited others through the agent, based on my questions to them re: "what do you mean when you say...". The agent said my vehicle could be insured as an RV as long as it had a bed, and toilet, and refrigeration. Those where the first three things I got in my van. The bed is done, I have a portable toilet (not yet in use, but could be in an emergency), and a Dometic Fridge (not yet powered, still working through electricity - but I could connect to 12v lighter outlet)...but I have them and they could all function if necessary.
It really depends on where you are getting it insured...how you answer the questions (on the internet), was words/terms you use when talking to someone and the agent's ability to work with you.
The problem when I called the first time I said that I have a cargo van that I am converting into and RV. It will have a bed, plumbing, toilet, fridge/freezer, electrical, etc. Well, the only thing the agent heard was "converting" and "van" and made the assumption that I was trying to insure a "conversion van" as an RV. No matter how I tried to explain it, that this would be just like a Class B RV...he didn't get it, and was flat out saying we don't insure those vans as an RV. That's when I realized I needed to use the online application first so I could articulate exactly what I had without the agent's assumptions interfering with my attempts to get insurance.