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pauldavis

Sierra Vista, AZ

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Posted: 06/02/12 06:47am Link  |  Print  |  Notify Moderator

I've looked all over and I can't find any company that will sell insurance by the day ... despite several blogs claiming that the product is widely available (but providing no links). Perhaps that means it's really not available, but before I give up I want to check here and see if anyone has found such a thing.

The ideal would be to have it much like my prepaid phone: I deposit some money in an account, and then when I'm ready to use the vehicle I go to a website and click a calendar showing the day(s) I want it active. The premiums for those days get deducted from my account, and on the days when the vehicle is parked I pay nothing.

I know, I know: what if my vehicle catches on fire or gets vandalized or broken into or gets hit by an asteroid? At this point I'd be willing to self-insure that risk if I could save big-time on the premiums. Or maybe there would be a company that would provide that coverage too at a very minimal cost (reflecting what I would assume is the experience of very limited claims for that time of thing) in addition to the daily premiums for when I put the vehicle on the road.

Anybody aware of this or anything like it?

crickeydog

Marietta, Ga.

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Posted: 06/02/12 07:02am Link  |  Print  |  Notify Moderator

pauldavis wrote:

I've looked all over and I can't find any company that will sell insurance by the day ... Anybody aware of this or anything like it?

Never heard of a daily insurance policy. I've heard of the seasonal policies but never a daily policy.

Happy camping!!! See y'all down the road!!!


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naturist

Lynchburg, VA

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Posted: 06/02/12 07:10am Link  |  Print  |  Notify Moderator

I'm assuming you wanted to insure your RV. I know there are event venue insurance packages routinely written on a daily basis, but I'm guessing that's not what you seek.

I don't know of any company that insures RVs on a daily basis, but I note that auto rental firms sell such insurance, so you might check with one of them as to which company does their underwriting and ask THEM. I note that such insurance is outrageously expensive per day.





rr2254545

MN, current Ca North Coast

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Posted: 06/02/12 07:18am Link  |  Print  |  Notify Moderator

if you could pick the days that would be the days of greatest risk to an insurance company, why would they only want to cover your greatest risk. I think you are looking for the impossible


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pauldavis

Sierra Vista, AZ

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Posted: 06/02/12 09:16am Link  |  Print  |  Notify Moderator

Thanks for that idea, naturist. I'll for sure follow up on car rental agencies. Another idea that came to mind was agencies selling US insurance to people driving up from Mexico. We have to buy their insurance when we go south, so I assume they have to do the same when they come north. But I won't be able to explore that one till next winter when I get down along the border again.

My thinking is that even something outrageously expensive per day would be less than what I pay now for day after day after day of insurance for nothing. I drive the rig once every two weeks, and the car often less than that. Insurance is by far my greatest expense for the car, and it's a close second for the rig, even with the high price of gas.

path1

Wa State (wet side)

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Posted: 06/02/12 11:22am Link  |  Print  |  Notify Moderator

deleted

* This post was edited 03/11/13 01:26am by path1 *


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Chuck&Gail

In the Colorado Mountains

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Posted: 06/02/12 08:28pm Link  |  Print  |  Notify Moderator

GMAC will do it monthly if you want, we like that. Pay only comprehensive when "stored".


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pauldavis

Sierra Vista, AZ

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Posted: 06/02/12 08:47pm Link  |  Print  |  Notify Moderator

Yeah, GMAC is what I have, but monthly wouldn't do what I'm looking for. I just want to stop paying for insurance when the rig (and the car) aren't on the road, which happens on a daily cycle, not monthly.

cm

Dillon, CO USA

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Posted: 06/02/12 10:44pm Link  |  Print  |  Notify Moderator

There are a couple of potential problems that you need to consider. You can self insure only if you own the vehicles "free and clear". If there is a loan the lien holder will require the insurance to be active at any time.

What about liability insurance requirements to keep your vehicle tags active? In many states you have to show proof of insurance - liability coverage - to get your plates.

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