Jump to content
Markati

Insuring a MDT

Recommended Posts

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?

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

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? 

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

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)!

Share this post


Link to post
Share on other sites

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..

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

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.  IMG_1381.jpg.d63de0e5d39a6e77e3bbec0c6c350fee.jpg

Share this post


Link to post
Share on other sites

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. 

Share this post


Link to post
Share on other sites

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!

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

RVers Online University

campgroundviews.com

Our program provides accurate individual wheel weights for your RV, toad, and tow vehicle, and will help you trim the pounds if you need to.

Rv Share

Dish For My RV.

Find out more or sign up for Escapees RV'ers Bootcamp.

Advertise your product or service here.



×