I just called progressive here in New Jersey to try and get a stated value
RV plan and they advised me they could not because it does not have a
permanent bathroom facility installed in it and a temporary bathroom
facility would not qualify the van.

On Mon, Sep 4, 2017 at 9:30 AM, Larry Alofs <lalofs@gmail.com> wrote:

> An often forgotten point in any of these recurring discussions of insurance
> is that laws, regulations, and insurance company practices vary greatly
> from state to state.
>
> Larry A.
>
>
> On Sun, Sep 3, 2017 at 10:35 PM, Dennis Haynes <d23haynes57@hotmail.com>
> wrote:
>
> > It's amazing how inconsistent insurance coverage can be. I have had
> > Progressive insurance on my motorhomes since 1999. I went with them due
> to
> > reasonable rates and their full replacement coverage. However I can tell
> > you that in the event of a loss don’t expect an easy or quick settlement.
> > Many years ago I had a mishap where I cracked the rear cap of the
> > motorhome. Every shop estimated completely replacing the cap. Progressive
> > refused and only paid enough to repair the Fiberglass. The repair is now
> > obvious, just cracked again.
> >
> > Back to the point maybe because I live in New York progressive will not
> > cover my Westy as an RV. It doesn’t meet the requirements without having
> > built in permanent sleeping, kitchen, and toilet-shower provisions.
> >
> > For the most part people really miss the point of automotive insurance.
> > It's real purpose is to protect us from liability. This is also a reason
> I
> > would prefer an RV policy as it covers so much more of what can happen
> > including at a campsite.
> >
> > Dennis
> >
> >
> > -----Original Message-----
> > From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf
> > Of kenneth wilford (Van-Again)
> > Sent: Friday, September 1, 2017 2:17 PM
> > To: vanagon@GERRY.VANAGON.COM
> > Subject: Re: Fri: Vanagon Gentrification
> >
> > Abel, I appreciate your input on this one.  I have found that if you have
> > a full Westy another great choice is Progressive Insurance.  You have to
> > insure it as an RV but the insurance for a year in NJ is under $400.  You
> > can do an agreed value and all they require for it to be considered an RV
> > is that it has a permanently mounted stove or sink.  Also for just a few
> > more dollars a year you can get their break down/towing coverage which I
> > have found to be very good.  No need for AAA membership and it is I think
> > around $30 extra a year.
> >
> > Any one else want to chime in?
> >
> > Ken
> >
> > On Fri, Sep 1, 2017 at 2:09 PM, Abel Longoria <houstonphotog@gmail.com>
> > wrote:
> >
> > > I spoke to no less than 13 companies when looking for insurance... I
> > > wanted
> > > 3 things.
> > >
> > > 1. Unlimited annual miles
> > > 2. Ability to camp in vehicle
> > > 3. Agreed Value policy based on appraisal
> > >
> > > I went through State Farm, insured as an RV..
> > >
> > > They gave me all 3 items I wanted and they accepted the Value
> > > Opinion/Appraisal that I got from Gowesty for $250 found here:
> > >
> > > http://www.gowesty.com/product-details.php?id=23894
> > >
> > > I pay about $63 a month for the policy and its agreed value is $40,000.
> > >
> > > A lot of classic car insurances limit you to like 1,000 miles a year.
> > > Yea that doesn't work for me. Sure some people try to lie about their
> > > mileage but I didn't want to give any insurance company a loop hole to
> > > get out of covering my van in case of a totaled incident. I'd rather
> > > have all of my ducks in a row and be on the up and up so if it does
> > > happen they can't wiggle their way out of paying up. Some insurance
> > > companies don't allow you to camp in the vehicle. Another deal breaker
> > for me.
> > >
> > > Biggest stickler to be considered an RV was the fact that the vehicle
> > > has a toilet in it. I have a Thetford marine toilet, Insurance company
> > > states that all it needed. I explained it was not a permanent fixture
> > > but a floating one and she said their policy doesnt state it needs to
> > > be fixed/mounted. So I am good.
> > >
> > > Anyways... This is the info I've found and worked on for months...
> > >
> > > On Fri, Sep 1, 2017 at 1:05 PM, David McNeely <davmcneely40@gmail.com>
> > > wrote:
> > >
> > > > Every time I have discussed "agreed value" insurance with an agent
> > > > or company representative the upshot has been that I can have
> > > > unrestricted
> > > use
> > > > of my vehicle, with maximum payout in case of an accident being the
> > > lesser
> > > > of market value (defined by the company) or cost to repair (again
> > > > defined by the company), or I can have "agreed value" insurance but
> > > > with greatly restricted use.  One unacceptable restriction is that
> > > > it can only be
> > > driven
> > > > on paved roads.  Another is that it cannot be driven more than a
> > > > certain number of miles per year, and then only for explicit
> purposes.
> > > >
> > > > I have found no company that would sell me a policy with an "agreed
> > > value"
> > > > without those restrictions.
> > > >
> > > > If you know how to get "agreed value" insurance without the
> > > > restrictions
> > > on
> > > > use, please let us all know.
> > > >
> > > > And please don't say that one can get "stated value" insurance and
> > > > avoid the restrictions.  I have discussed stated value insurance,
> > > > and
> > > discovered
> > > > that the companies will be happy to sell you a policy with a "stated
> > > > value," but that the coverage is still for the lesser of current
> > > > market value or cost to repair (again defined by the company),
> > > > stated value not withstanding.  All "stated value" means is that you
> > > > told the company that you believe the vehicle to be worth that
> amount.
> > > >
> > > > mcneely
> > > >
> > > > On Fri, Sep 1, 2017 at 9:01 AM, kenneth wilford (Van-Again) <
> > > > kenwilfy@comcast.net> wrote:
> > > >
> > > > > That is why you want to have them fully insured with "agreed value"
> > > > > insurance so that if something like this happens you get all of
> > > > > the
> > > money
> > > > > you need to buy another one and you don't have to worry about
> > > accidents.
> > > > >
> > > > > Ken
> > > > >
> > > > > On Fri, Sep 1, 2017 at 11:47 AM, Don Hanson <dhanson928@gmail.com>
> > > > wrote:
> > > > >
> > > > > > I just heard from a Vanagon acquaintance who sold his Westie for
> > > ~$20k.
> > > > > > He narrowly avoiding a serious smashup that would have totalled
> it.
> > > > > >  Someone offered the big bucks and he decided to move to a
> > > > > > different
> > > > van
> > > > > > and no longer risk using his very  valuable Vanagon like he
> > > > > > always
> > > > has...
> > > > > >      Yes, the  Vanagons are "in"... kiss em goodbye as cheap
> > > > > > utility
> > > > > daily
> > > > > > drivers...
> > > > > >
> > > > >
> > > > >
> > > > >
> > > > > --
> > > > > Thanks,
> > > > > Ken Wilford
> > > > > John 3:16
> > > > > www.vanagain.com
> > > > >
> > > >
> > >
> >
> >
> >
> > --
> > Thanks,
> > Ken Wilford
> > John 3:16
> > www.vanagain.com
> >
>