Date: Fri, 10 Nov 2017 22:20:47 +0000
Reply-To: Dennis Haynes <d23haynes57@HOTMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Dennis Haynes <d23haynes57@HOTMAIL.COM>
Subject: Re: insurance
In-Reply-To: <7283f562-a144-448b-b9b7-53d07e69a2fa@me.com>
Content-Type: text/plain; charset="Windows-1252"
Guess they want to make sure it is not being used for business.
Dennis
________________________________
From: gburgin <gburgin@mac.com>
Sent: Friday, November 10, 2017 5:01 PM
To: Dennis Haynes
Subject: Re: insurance
I can laugh about it now but here's the questionnaire they sent me:
Quote:
-------------------------------
Tell us about your vehicle.
- VIN: WV2ZB0256EH013839
- Year/make/model/body style: 1984 VOLKSWAGEN VANAGON CAMPER
Describe your day-to-day usage of the vehicle.
1) How is this vehicle used?
2) Is this vehicle used for pickup or delivery of goods (like newspapers or pizza), messenger service, or to carry supplies/materials to help complete your job duties?
3) Is this vehicle used for livery service (e.g. limousine or taxi)? Livery does not include carpooling.
4) Is this vehicle owned or leased by a partnership or corporation? For example, your business or company owns the vehicle.
5) Is this vehicle registered or titled to a business, corporation, partnership, or DBA (Doing Business As)?
6) Do any employees or drivers who aren’t listed on your policy (such as maids, nannies, or secretaries) drive this vehicle on a regular or occasional basis?
7) Is this vehicle leased or rented to others?
8) Is this vehicle a pickup truck, van, or utility vehicle with a gross weight exceeding 10,000 pounds? Or does it have a rated load capacity over 2,000 pounds?
9) Is this vehicle equipped with snowplowing equipment, cooking/catering equipment, bathrooms, altered suspensions, hydraulic lifts, or racing equipment?
10) Does this vehicle have installed equipment (like ladder racks or permanent toolboxes) that’s used to support a business?
11) Does the vehicle ever display any company logos or signage? This can include magnetic or permanently printed logos.
Once we receive this information, we’ll review it and get back to you within approximately 2 to 3 business days. Please note that this vehicle will not be covered by your Esurance policy until it has been approved.
If you have any questions, please call us at 1-800-ESURANCE (1-800-378-7262) or simply reply to this email.
Thanks, as always, for being an Esurance policyholder.
Sincerely,
The Esurance Customer Service Team
---------------------------------------
On Nov 10, 2017, at 09:37 AM, Dennis Haynes <d23haynes57@hotmail.com> wrote:
Could also be they are recognizing it as a camper and thinking it needs an RV policy. RV policies cover additional liabilities due to their use and additional risks they can represent. Adding the age of our vehicles increases some of that risk.
Dennis
________________________________
From: gburgin <gburgin@mac.com>
Sent: Friday, November 10, 2017 7:08 AM
To: Dennis Haynes
Subject: Re: insurance
Hi Dennis,
I told esurance I'd be OK with no collision since I bought my camper without a lien. They still wanted pictures, a questionnaire, and still refused to take on just liability. Oddly, they covered my tin top for collision, comprehensive, and liability without question. I don't think they know what they're doing.
Greg
On Nov 10, 2017, at 01:26 AM, Dennis Haynes <d23haynes57@HOTMAIL.COM> wrote:
What customizations were you trying to get increased coverage for? While an agent or customer service rep may have offered the coverage change you may have gotten the attention as it went through the under writing process. If the issue was just the collision or comprehensive overage they could have just declined those coverages. For them to drop you indicates they do not want to take the liability risk.
Dennis
-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf Of David Boan
Sent: Thursday, November 9, 2017 5:56 AM
To: vanagon@GERRY.VANAGON.COM<mailto:vanagon@GERRY.VANAGON.COM>
Subject: insurance
A month ago I decided I should update my insurance carrier, Geico, about the customizations on my 85 westy. They agreed to increase the estimated value for a few additional dollars. Then I got a letter that they no longer considered my Westy insurable and are dropping coverage effective the end of the month, no further explanation given. I am now searching for other carriers. Just curious if anyone else has experienced this. Any suggestions for a new carrier are appreciated.
David B
Boise
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