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Old 01-22-2013, 07:42 PM   #1
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Insurance renewal

I'm between a rock and a hard place.

As a non US citizen without a social security number and a LLC the insurers won't give any no claim discounts.
In currently with Destination insurance ( brokers) insured thru national interstate. Just got the car renewal at $1300. Haven't seen what they are going to hit me for the motorhome this year.
Last year it was $2400 for $100000 but now I need $160k cover.
The broker just told me that I can fill in a layover form whilst the coach is not in use. But other than that they are pretty unhelpful and tight lipped.
Can someone inform me what the reduction in premium would be if I use the coach 18 weeks per year only.
Thanks in advance
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Old 01-22-2013, 08:25 PM   #2
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I have been told that most insurance policies assume that
you will not be using the coach all the time, and thus most
companies do not offer any discounts. Full timers have
a much more complicated situation.
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Old 01-23-2013, 08:58 PM   #3
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Many insurance companies will wave "collision" while in storage. Having said that Most finance companies will not let you do that if it is financed .
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Old 01-23-2013, 10:55 PM   #4
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You might try GMAC. Using my FMCA number they qouted me just under $900 a year plus $73 per month for each month I used it. This was on a 2004 Winnebago DP. Since I use my coach off and on throughout the year I figured it would probably be more trouble than it was worth to miss a few months premium payments and have to keep calling them everytime I got it out of storage.
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Old 01-23-2013, 11:24 PM   #5
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Steve,I think we have some of your problems comming up ! We are ex-UK and now travelling around Australia in rental motorhomes ( Apollo) but in march we fly over to Los Angelese to buy a diesel pusher. I have been trying to find out how to get all of the "must have" stuff, insurance, tags etc but it is a catch 22 situation without a social security number. We will be joining FMCA and Escapees but it looks like it will take at least a month( kicking our heels) just to get a postal address before we can do anything.

Richard.
Homeless at last !
Melbourne Australia, well this week anyway.
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Old 01-24-2013, 01:36 AM   #6
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Quote:
Originally Posted by Richard and Hazel View Post
Steve,I think we have some of your problems comming up ! We are ex-UK and now travelling around Australia in rental motorhomes ( Apollo) but in march we fly over to Los Angelese to buy a diesel pusher. I have been trying to find out how to get all of the "must have" stuff, insurance, tags etc but it is a catch 22 situation without a social security number. We will be joining FMCA and Escapees but it looks like it will take at least a month( kicking our heels) just to get a postal address before we can do anything.

Richard.
Homeless at last !
Melbourne Australia, well this week anyway.
Congratulations
My suggestions
As a non resident if you buy and register your motorhome with an LLC formed by lawyers in Montana you will have an address. They offer mail forwarding etc.
You will also not pay sales tax on your purchase.
You will have not crossed any moral boundaries expressed against this form of ownership as you won't have a home state.
You will pay full tote odds for insurance as you won't have a credit record which is used to provide discounts.
I can provide you with insurance brokers and Heggan law office in Milssoula looks after my company and mail forwarding.
In reality you need to memorize your address because every time you book a campground telling them a Melbourne address will cost you a fortune on the mobile phone.
I have just struck a deal with the insurer to layup the coach once per year. So from October to March I will pay almost nothing.
My annual premium is $2250 for $160k and would you believe $1200 for the 2013 Subaru and no layup option.
Oh well, we love our motorhome, we love travelling around the USA, we love the great people we have met in the 25000 miles we have done so far.
If I buy enough runners to bring home I will be able to make up for the over priced insurance.
Good luck. Once you own your DP you will be desperate to get back to it and travel.
Sorry about the long post. There are many more tips if you want. This site is addictive so be careful
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Old 01-24-2013, 01:40 AM   #7
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Originally Posted by wagonmaster2 View Post
You might try GMAC. Using my FMCA number they qouted me just under $900 a year plus $73 per month for each month I used it. This was on a 2004 Winnebago DP. Since I use my coach off and on throughout the year I figured it would probably be more trouble than it was worth to miss a few months premium payments and have to keep calling them everytime I got it out of storage.
I was with GMAC before I changed to National Interstate Cheaper.
I tried last week to contact an agent and no one would respond.
I tried to get a quote on line but it won't allow it without a US licence.
I can't get them to talk to me.
It must be my deodorant or maybe my accent comes thru in my emails.
Thanks for the thought
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Old 01-24-2013, 02:22 AM   #8
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Also for me, being a Dutch citizen, the whole thing of owning and insuring had to be a problem.
But I have a very good friend (with family) that was my solution.
I put my RV on both our names with his home address.
Now license tag, insurance (on his name) and every thing else is not a problem anymore.
Insurance is around $500 a year and license plate $50 for 2 years.
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Old 01-24-2013, 03:54 AM   #9
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Originally Posted by pa0gri View Post
Also for me, being a Dutch citizen, the whole thing of owning and insuring had to be a problem.
But I have a very good friend (with family) that was my solution.
I put my RV on both our names with his home address.
Now license tag, insurance (on his name) and every thing else is not a problem anymore.
Insurance is around $500 a year and license plate $50 for 2 years.
Very good plan.
My wife has a relative in San Diego unfortunately he's in his 80's so I guess that's out. Also with a relatively high value coach and an address in Cal one could discover the savings could be short lived with an LLC.
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