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Old 10-11-2019, 12:15 AM   #1
Wazoo
 
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Default Insurance

Hello,
I have a 2015 Mercedes Sprinter Van that has about 25,000 miles on it. We purchased it as a cargo van and had a conversion company outfit the insides. The replacement value would be about $110K. It doesnít have a built in stove(I understand that is important).
I want to insure the vehicle for replacement value but I am having a hard time finding a company. I did go through my insurance broker who found one company, Liberty, that will insure it for the $110 replacement value for $1,750 per year.
Where do people get their insurance from?
Thanks for your thoughts,
Tim
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Old 10-30-2019, 11:22 AM   #2
charris
 
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Default Re: Insurance

Tim,

I discovered that trying to insure my 2004 van conversion under the "brand" name was a problem. However, I've had excellent service and coverage by both State Farm and Allstate insuring it as an RV vehicle for its market value.
--
Curt
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Old 11-02-2019, 01:30 PM   #3
JFloFoto
 
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Default Re: Insurance

Try Good Sam

https://www.goodsamrvinsurance.com/?mc=WW
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Old 11-02-2019, 02:39 PM   #4
Larry M
 
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Default Re: Insurance

Wazoo: Maybe post your question in Sprinter-Based RV's & Conversions. https://sprinter-source.com/forum/forumdisplay.php?f=4

Or call some companies that specialize in van conversions. What youíre facing is not new. Good luck.
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Old 12-09-2019, 09:08 PM   #5
bikebum
 
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Default Re: Insurance

WHat company did you find?
Progressive won't insure a van conversion
State Farm requires a second vehicle as a primary vehicle to insure the van as an RV, and they are hella expensive.
I'm in a vicious loop, can't find a proper company.
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Old 12-10-2019, 01:53 AM   #6
Montucky
 
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Default Re: Insurance

Quote:
Originally Posted by bikebum View Post
WHat company did you find?
Progressive won't insure a van conversion
State Farm requires a second vehicle as a primary vehicle to insure the van as an RV, and they are hella expensive.
I'm in a vicious loop, can't find a proper company.
I insured my self-built conversion through Safeco for an agreed value. They needed photos and an appraisal, but it was a pretty painless process. Have never made a claim - and hope not to - but the piece of mind is worth it. Might try and give them a call.
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Old 12-13-2019, 05:12 PM   #7
Sunny&75
 
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Default Re: Insurance

Quote:
Originally Posted by JFloFoto View Post
Just tried these guys and thatís a big negative for insuring the inside conversion. Iím getting this a lot with most insurance companies. They want to insure the vehicle for the van itself, and not as a conversion.
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Old 12-13-2019, 05:18 PM   #8
Sunny&75
 
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Default Re: Insurance

Quote:
Originally Posted by Montucky View Post
I insured my self-built conversion through Safeco for an agreed value. They needed photos and an appraisal, but it was a pretty painless process. Have never made a claim - and hope not to - but the piece of mind is worth it. Might try and give them a call.
1) Is your van a conversion from a cargo van?
2) Did you do the conversion yourself or did a professional upfitter do it?
3) are you sure safeco is insuring all the inside contents as a rv/class b?
I called a safeco agent yesterday and he said they would do a policy that covers the insides.
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Old 12-13-2019, 08:22 PM   #9
Montucky
 
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Default Re: Insurance

Quote:
Originally Posted by Sunny&75 View Post
1) Is your van a conversion from a cargo van?
2) Did you do the conversion yourself or did a professional upfitter do it?
3) are you sure safeco is insuring all the inside contents as a rv/class b?
I called a safeco agent yesterday and he said they would do a policy that covers the insides.
It's a crew van conversion, converted it myself, and I have agreed value coverage for the van at an amount that would allow me to purchase an equivalent professionally-built van in the event of a total loss. I also have $10k of contents coverage as well for bikes, electronics, etc.

The van is still titled as a crew van - not an RV.
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Old 12-13-2019, 08:31 PM   #10
GLJones
 
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Default Re: Insurance

Quote:
Originally Posted by Montucky View Post
The van is still titled as a crew van - not an RV.
This might be a big part of your problem.
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