Markati Posted February 12, 2018 Report Share Posted February 12, 2018 I just purchased a 2010 FL M2 and I am finding that almost all of the companies I have contacted will not write a policy for this vehicle. I am converting this FL to pull my soon to be here 5r. However, serveral companies will not do an RV policy until the trailer is available and the others just wont write the policy. This process is becoming a catch 22. Any suggestions, other than move out of MI? Soon To Be Outbound!!! Link to comment Share on other sites More sharing options...
rhubler Posted February 12, 2018 Report Share Posted February 12, 2018 I have my truck and trailer with National General. There’s only a handful of companies that will insure them. Robert Hubler SKP#114358 2007 FL M2 106 2014 New Horizons 39' Majestic 810 watt solar system Link to comment Share on other sites More sharing options...
Bobi and Dick McKee Posted February 12, 2018 Report Share Posted February 12, 2018 We too are with National General, and are very happy with their service. They have our Sportchassis, trailer, car and pickup and home. Link to comment Share on other sites More sharing options...
Chad Heiser Posted February 12, 2018 Report Share Posted February 12, 2018 Try Miller Insurance out of Oregan. They are a broker and are well versed in RV and large truck policies. I obtained a policy through them with National General for my 5er and HDT. Here is their website. 2000 Kenworth T2000 w/ Cummins N14 and autoshift 2017 DRV Mobile Suite 40KSSB4 with factory mods, dealer mods and personal mods - now in the RV graveyard 2022 DRV Full House MX450 with customized floor plan 2018 Polaris RZR Turbo S (fits in the garage) 2016 Smart Car (fits in the garage or gets flat towed behind the DRV when the RZR is in the garage)My First Solar Install ThreadMy Second Solar Install Thread & Photos and Documents Related to the buildMy MX450's solar, battery and inverter system - my biggest system yet! chadheiser.com West Coast HDT Rally Website Link to comment Share on other sites More sharing options...
chiefneon Posted February 12, 2018 Report Share Posted February 12, 2018 Howdy! I had our MDT insured with USAA but switched the National General after getting a quote at the Escapade in Vermont. Contact Chris & Charles Yust at 936-425-5041. Their Escapees and save me a lot on my policy coverage for MDT, 5er, Smart Car. ” Happy Trails” Chiefneon "Class of 2007 Fulltimer's" Gary & karen Smoochie & Michaela (fur babies) 2018 Chevorlet 3500 HD/LTZ 2L Custom Hauler 2014 Heartland Cyclone 4000 2016 Smart Car Prime Link to comment Share on other sites More sharing options...
ewacowboy Posted February 13, 2018 Report Share Posted February 13, 2018 On 2/12/2018 at 3:31 PM, Chad Heiser said: Try Miller Insurance out of Oregan. They are a broker and are well versed in RV and large truck policies. I obtained a policy through them with National General for my 5er and HDT. Here is their website. We also insure ours with Miller....although the number of companies they can write for MDTs are getting scarce. Jim and Kellie 2017 DRV 38RSSA Mobile Suite 2016 Western Star 5700xe YouTube Channel Link to comment Share on other sites More sharing options...
Markati Posted February 14, 2018 Author Report Share Posted February 14, 2018 I have talked with over 20 insurance agencies and they all tell me the same thing. Can't write this policy. I don't understand why this is a big issue with the insurance companies. What is the driver behind not insuring the MDT's? Soon To Be Outbound!!! Link to comment Share on other sites More sharing options...
GlennWest Posted February 14, 2018 Report Share Posted February 14, 2018 Have you called Miller 2003 Teton Grand Freedom towed with 2006 Freightliner Century 120 across the beautiful USA welding pipe.https://photos.app.goo.gl/O32ZjgzSzgK7LAyt1 Link to comment Share on other sites More sharing options...
ewacowboy Posted February 14, 2018 Report Share Posted February 14, 2018 12 hours ago, Markati said: I have talked with over 20 insurance agencies and they all tell me the same thing. Can't write this policy. I don't understand why this is a big issue with the insurance companies. What is the driver behind not insuring the MDT's? I am "hearing" that some commercial drivers are/were trying to skate around paying for a commercial policy and claiming they were using their trucks for pleasure. To combat this some companies are requiring the coach be included on the same policy. I don't have any facts to back this up....just conversations with agents. Jim and Kellie 2017 DRV 38RSSA Mobile Suite 2016 Western Star 5700xe YouTube Channel Link to comment Share on other sites More sharing options...
GlennWest Posted February 14, 2018 Report Share Posted February 14, 2018 Mine is on same policy as 5ther rv., Our Teton. That may be your problem. 2003 Teton Grand Freedom towed with 2006 Freightliner Century 120 across the beautiful USA welding pipe.https://photos.app.goo.gl/O32ZjgzSzgK7LAyt1 Link to comment Share on other sites More sharing options...
Markati Posted February 16, 2018 Author Report Share Posted February 16, 2018 I asked one of the sales people at National General why this is such a hassle get coverage for my truck? The short answer I got was due to some commercial drivers calling their trucks rv's and getting better rates. In my case I am not a commercial operator just an ordinary guy trying to find affordable insurance on the truck (and 5r when it gets built). Then I asked if this is such a big deal with the underwriters, why not just use those plug in vehicle mileage trackers and it would solve that problem. Now I am sure I am going to get some push-back from some of those on this forum about big-brothers foot print on our backsides. I told my wife since this insurance issue is taking way to much time and effort to find coverage we should have bought the 5r first and then the truck. (it's a cart and horse thing)! Soon To Be Outbound!!! Link to comment Share on other sites More sharing options...
GlennWest Posted February 16, 2018 Report Share Posted February 16, 2018 Should talk with Miller and not National General. 2003 Teton Grand Freedom towed with 2006 Freightliner Century 120 across the beautiful USA welding pipe.https://photos.app.goo.gl/O32ZjgzSzgK7LAyt1 Link to comment Share on other sites More sharing options...
Grassy Posted February 16, 2018 Report Share Posted February 16, 2018 I put mine through my home insurance. ..but I live in Canada. Some will still insure you as a personal driver on a commercial truck. Just as an observation, it is getting harder, not easier to insure these TVs.. . Arctic Fox 29-5T . Beagle co-pilots - Faffy and Lulu Link to comment Share on other sites More sharing options...
ms60ocb Posted February 16, 2018 Report Share Posted February 16, 2018 On 2/13/2018 at 7:33 PM, Markati said: I have talked with over 20 insurance agencies and they all tell me the same thing. Can't write this policy. I don't understand why this is a big issue with the insurance companies. What is the driver behind not insuring the MDT's? Have any of the insurers seem your truck or pictures of your truck. I remember that was something Miller asked for, They want pictures of your conversion plan. No problem but all rolling insurance needs is with them. Clay Clay & Marcie Too old to play in the snow Diesel pusher and previously 2 FW and small Class C Link to comment Share on other sites More sharing options...
Markati Posted February 16, 2018 Author Report Share Posted February 16, 2018 Miller asked for the images today and they have been sent. Since it is now the weekend we will wait for a response next week. Soon To Be Outbound!!! Link to comment Share on other sites More sharing options...
Fhkw9DPJ8V1g Posted February 18, 2018 Report Share Posted February 18, 2018 I seem to recall that when we insured our truck we had to go with a company that insured the two as a package. Our fifth wheel was purchased first so we already had all of that information for them when we called Miller in Oregon. I would think once you have the VIN for the new 5er you would be able to do the same. Link to comment Share on other sites More sharing options...
Rhyph Posted February 19, 2018 Report Share Posted February 19, 2018 Sorry I didn't reply sooner, having just gone through all of this myself. I found one place that was not insane, and one that was sorta insane against all others that had lost their minds (including Progressive) and pretty much were going to sack us with full commercial type insurance and rates. National General got the business, and our policy has our MDT, 5th wheel and our 2 cars on it. The agent we dealt with asked us what club memberships we had, and as I listed them off, he choose one and used it to secure us a discount large enough to basically keep our rates about the same annually compared to what we had through Geico prior with my Ram 3500. We did call others, including Millers. There is a policy there which I saw mentioned prior, where you must insure the truck and the trailer together, but the gentleman I was speaking to threw up a HUGE red flag. That is, the truck can not be driven separately from the trailer, and if it were driven separately, and forbid anything happened, the truck would not be insured. I said that was nuts because for us we will still need to use the truck to get around, run errands, etc. As I was still going through getting quotes, I went back to National General and asked them that very specific question. They said no problem, you can drive the truck by itself as much as we want. So that's what I found as I went through all this. Good luck! 2007 Freightliner SportChassis RHA-114 2016 Heartland Road Warrior 420 Link to comment Share on other sites More sharing options...
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