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Old 09-13-2013, 11:39 AM   #1
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Insurance during storage-time

Good morning,


my two vehicles - rv and jeep - are covered by BlueSky. First it was said that the contributions are reduced if the vehicles are in storage. Now it's suddenly no longer. The Agency (Lazydays) wrote me today:

"Walter, we are not viable to separate comprehensive and collision coverages on the RV policy, the company does not allow this even When the vehicle is in storage. I understand the frustration this causes but we have no alternative."

Does anyone know of an alternative here in the forum. It can not be right if both cars are in storage and not being used on the road, then that no reduction occurs.

So what can i do?

Thanks.

Walter
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Old 09-13-2013, 12:15 PM   #2
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Not so sure I completely understand your question. However here goes, if your a member of FMCA you can go thru them, underwritten by GMAC and acquire coverage that is a reduced cost based upon your actual use and reduced price while in storage. I priced it up but still went with Blue Sky.
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Old 09-13-2013, 12:28 PM   #3
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Our coverage is with Hanover. When the coach is in storage the only coverage is for Comprehensive. We activate full coverage when we're getting ready to hit the road.We have never had a problem with them.
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Old 09-13-2013, 01:53 PM   #4
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I have GMAC which allows for reduced coverage when in storage. In CA this trigger a notice to the DMV which triggers a nasty gram about having to have coverage. You can put the coach in non-op status with the DMV.
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Old 09-13-2013, 01:59 PM   #5
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I have a package policy on my toys. When I'm not using them and the plate runs out it still has insurance on it just sitting in storage. When ever I want to drive it I just renew the plate again. At least that's how it works up here.
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Old 09-16-2013, 11:15 AM   #6
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It is not so easy:

the former agent of the Honver Insurance in Florida told me that Hanover Insurance processed only business customers and no private customers !?!

And "GMAC" is now "National General". Let's see what response I get from the agent in Florida


Regards
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Old 09-16-2013, 11:33 AM   #7
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If I have the conversation correct?

One thought; if you cannot adjust your policy requirements can you adjust your policy limits? Instead of a million or some high amount in liability or collision can it be adjusted temporarily to a number substantial lower resulting in a reduced premium for that period of time.

I had one insurance Co. balk at reducing coverage if the unit had an outstanding loan. Otherwise with Progressive (RV) and Allstate (truck) I can adjust at will when they are stored which I do, it's easy money.
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Old 09-16-2013, 11:40 AM   #8
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this is exactly what I am looking for: an insurance policy where I can reduce the values ​​when the vehicles are in storage. Some insurance companies do not. For example, State Farm and RLI.


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Old 09-16-2013, 12:17 PM   #9
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GMAC, now National General, allows Collision to be turned off while in storage.
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Old 09-16-2013, 01:31 PM   #10
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I did not notice at first. Does the fact that you are in Europe change the dynamics on this? Of course I'm in the US where we speak perfrect engwish.
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Old 09-16-2013, 01:38 PM   #11
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Its dumb but some insurance companies wont let you lower your storage coverages if you also have a larger/umbrella liability rider in force.
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Old 09-18-2013, 12:20 AM   #12
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Good morgning,

has anyone had good experiences with other insurance companies? I have been asked: Progressive, National General, State Farm, RLI. Thanks.


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Old 09-18-2013, 01:06 AM   #13
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I have GMAC and did the in storage only one time. I like to pay my policy in full for the entire 1 yr policy. When you go into storage, GMAC refunds what has been pre-paid, for the remainder of the policy. Then, when you come out of storage, they bill you for the remainder of the policy from that date. Then you have to keep the MVD posted via internet. There restriction of when and how long the RV can come in and out of storage, I don't recall the specifics on the time limits.

The hassel may be worth it if your in storage for a long period of time, but I'm in and out every other month. For me, just not worth the trouble.
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Old 09-18-2013, 05:11 AM   #14
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I did the reduction through GMAC 2 years ago. No problem on the ins part but they didn't tell me I should surrender the plates because the liability was removed. I guess I should have known that but... I got a letter from the DMV a month later advising me of a $10 per day fine! I ended up having to surrender the plates for 45 days (time without full coverage). Then I had to go back and re-register. Of course the new ins card was wrong somehow and needed to fe faxed to the DMV office while I waited there! Big hassle. Never again. This is for NY state.
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