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Old 07-09-2013, 09:29 PM   #1
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replacement appraisal

As a Canadian, I went to get insurance on a 2004 Triple E Empress 3851 GB and they asked me to give them proof as to what the replacement cost would be plus a 12% tax assessment, but I am in a quaundry as they (Triple E) stopped building Class A's in 2007.

They first said that they would not write the policy because there would be a chance that I would not be spending all my time in the confinds of a CG (no boondocking allowed). The writer said that there is a clause that says that as long as I have no permanent residence (stix and brix) that I would be eligable. There seems to be a conflict of interest to this scenario.

I have sold my home and am wanting to buy this unit and just travel to see the other side of the fence.

So my questions are; 1/ How do I get a replacement value for a MH that not being manufactured anymore, and 2/ What have others done, that want to full time, to get insurance coverage?

Greatful for all information that I can get so I can proceed with the puchase of this MH.
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Old 07-09-2013, 09:48 PM   #2
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My question is , why wouldn't the insurance company do that research ? Personally if I got that reply from an insurance company I would not want to do business with them.
Not familure with Canadian Insurance, is their just one company ?
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Old 07-09-2013, 10:04 PM   #3
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Kelly blue book for value. Every insurance company uses such books. (There are others) ??? They could care less about your figures. confused!!!!

If you have a drivers license, you have an address. So not having an address is not understood. The address used should be what is on your license. You cannot use "no fixed address" for a DL anyplace I know of.

My RV's have been treated like another vehicle. My insurance company never asked me how many times I was going to sleep in it or where I was going to sleep in it. The only place I can't go without special coverage is Mexico.

They did ask me the estimated number of miles I expected to drive it for rating purposes.

This is unusual circumstance based on my experience.
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Old 07-10-2013, 09:50 AM   #4
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The coach still has a current market value, which is what the replacement cost would be if you had to replace it today. Your bill-of-sale is the best proof of value, since that is what you paid for it in the current market. If you haven't actually bought it yet, get a sales contract on the dealer letterhead and use that.

I'm unclear about the issue with eligibility and the possible conflict of interest you see. Are they saying they will only insure you if you do NOT have a permanent dwelling? That's a bit odd... Could you elaborate on this a bit more?
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Old 07-10-2013, 09:56 AM   #5
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Maybe some of the issue is that the original poster is Canadian. Canadian provinces have very different insurance laws and requirements from the US. I believe in some provinces the insurance is through some sort of governmental entity
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Old 07-11-2013, 08:44 AM   #6
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Replacement Appraisal

Hi fellow Canuck:
I too had problems with insurance. The place I finally went was RV Direct. They are really good and you can get it on line.
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Old 07-11-2013, 08:57 AM   #7
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I never had an issue insuring mine. I insured it for what I wanted and pay the premium for that amount. I insured it for more than I paid for it because it was worth more to replace. I live in BC.
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Old 07-11-2013, 07:31 PM   #8
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Quote:
Originally Posted by pops2 View Post
As a Canadian, I went to get insurance on a 2004 Triple E Empress 3851 GB and they asked me to give them proof as to what the replacement cost would be plus a 12% tax assessment, but I am in a quaundry as they (Triple E) stopped building Class A's in 2007.

They first said that they would not write the policy because there would be a chance that I would not be spending all my time in the confinds of a CG (no boondocking allowed). The writer said that there is a clause that says that as long as I have no permanent residence (stix and brix) that I would be eligable. There seems to be a conflict of interest to this scenario.

I have sold my home and am wanting to buy this unit and just travel to see the other side of the fence.

So my questions are; 1/ How do I get a replacement value for a MH that not being manufactured anymore, and 2/ What have others done, that want to full time, to get insurance coverage?

Greatful for all information that I can get so I can proceed with the puchase of this MH.
As another Canadian,I find your insurance company's approach very strange. I learned from experience when I insured my first motor home,that some insurance companies really do not understand the industry where motor homes are concerned. What Province are you located? Knowing this information will give others the opportunity to help you.
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