And RV insurance doesn't cover things without running water, and auto doesn't cover things with a bed.
that's not exactly true. i had a school bus for 2 years that i registered as an rv and it didn't have either of those things (at first).
That's exactly what I thought, but I literally had my insurance cancelled when I told them I was sleeping in it. They even told me that if I got in an accident and someone saw I'd been sleeping inside, I might not get covered. The telling them was a mistake, but the no coverage thing made me think "well, maybe I had the wrong insurance."
I guess this is more a case where I'll have to work with them and say whatever it is they need me to say, though I then will have lied on my insurance which is twice the grounds for not getting coverage.
I'm guessing the next time I call they'll say something ridiculous, it'll all work out, and it'll make all make a story not worth telling anyone.
look, here's how to deal with your insurance company. first off, you need to realize that insurance companies are your best friends until you get into an accident. then, no matter what, they're going to try and fuck you as hard as they can. so don't feel bad about lying to them, or doing anything else they think isn't "legal"; insurance is a racketeering scam that unfortunately got legalized back in the 70's.
so first off, i had to google your vehicle type to find out that it's a mini-van. you could register it as an rv, but it would probably just be less hassle to register it as a regular vehicle then insure it as such. unless you tell the insurance company otherwise, they don't know shit about your car, meaning they just look at the registration and see it's an rv, so they will accept that that's what it is. meaning, registering your vehicle and insuring it are two different things.
i registered my school bus as an RV (recreational vehicle) by giving my mom power of attorney and having her register the vehicle in her home town (which is quite small, in the boonies of washington). i did this because i bought the bus in illinois, and was living in new orleans, and i sure as hell wasn't going to drive 3,000 miles just to register a vechicle in washington (i keep my residency there).
so, my point is that when i went to get insurance, i told them it was an RV, because, at that point is was, and there's no fucking reason the insurance company needs to be questioning me on that (and they won't).
when it comes to everything else, you really need to shut the fuck up and stop telling them everything you do with your vehicle. the best policy is to tell them as little as possible. remember THEY ARE TRYING TO FUCK YOU AS HARD AS THEY CAN. it's how they make money. so don't feel bad about lying.
DO NOT tell them you're sleeping in it. i mean, really, what makes you think they would be okay with that? increasing the amount of time a human body occupies a potentially insured vehicle from a few hours to nearly 24/7 increases their risk by about 10000% so fucking lie.
the reality of insurance is that it's a 'protection racket' where if you don't buy their services you go to jail. so fuck them. also, realize that if you DO get into an accident you're fucked anyways. a car like that ain't expensive and is going to be totaled in almost any kind of accident, so the only reason to have insurance is to not go to jail.
next time you apply for insurance, don't tell them shit. it's just a car you go to work in. that's it. fuck them, cause they're certainly fucking you.