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09-24-2008, 02:54 PM
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#1
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Junior Member
National RV Owners Club Workhorse Chassis Owner
Join Date: Sep 2004
Location: Keller, Texas
Posts: 26
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I have a 2002 36 foot dolphin mh with 38753 miles on it. I have been looking at a service plan from good sams. The plan has a $500 deductible, and includes all major components except belts plugs ect. The plan costs $913 a year. Does anyone have any experence with service plans. Are they worth getting. Is $913 a year a good price. The reason I started looking into the plan is a couple months ago I had the rv's tcm go bad and it cost over $1400 to get it fixed.
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09-24-2008, 02:54 PM
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#2
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Junior Member
National RV Owners Club Workhorse Chassis Owner
Join Date: Sep 2004
Location: Keller, Texas
Posts: 26
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I have a 2002 36 foot dolphin mh with 38753 miles on it. I have been looking at a service plan from good sams. The plan has a $500 deductible, and includes all major components except belts plugs ect. The plan costs $913 a year. Does anyone have any experence with service plans. Are they worth getting. Is $913 a year a good price. The reason I started looking into the plan is a couple months ago I had the rv's tcm go bad and it cost over $1400 to get it fixed.
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09-24-2008, 05:19 PM
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#3
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Senior Member
Winnebago Owners Club Freightliner Owners Club
Join Date: Jan 2008
Location: KM Parks in Western Washington and Yuma,Az for the Winter
Posts: 1,483
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I had Good Sam's on my 2000 Winni Adventurer just for the peace of mind. The way things cost these days, iit could pay for it'self on the first breakdown. As soon as the factory warrenty runs out on mine, I plan on doing it again.
__________________
2012 Itasca Meridian 42E, Roadmaster Tow System, Unified Brakes on Toad
2011 Jeep Grand Cherokee Overland. US Army Armor. Ret
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09-25-2008, 02:35 AM
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#4
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Senior Member
Workhorse Chassis Owner
Join Date: Mar 2007
Location: Pikeville, NC
Posts: 1,775
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I have the CSP from Good Sam.
I used it once for an "O" ring transmission leak repair (on the pump cover) two years ago. It required the transmission removal/replace at an Allison facility. Worked fine for me. I'm now in my third year of coverage-- makes me sleep well at nights.
My price is slightly less than your quoted price-- $773.86/yr, with $250 deductible. My rig has 34,200 miles on it now--
(seals and "O" rings are only covered until the rig is 5 years old- I just made it )
Good luck,
__________________
Max H,
2002 Newmar Mountain Aire, 37', 3778, W-22, 8.1 Vortac, Ultra Power upgrade, CAI (cold air intake), Taylor wires, colder plugs, Koni shocks.
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09-25-2008, 06:56 AM
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#5
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,519
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This is an insurance policy, which is inherently a gamble. You would be betting that you have at least $1413 worth of covered repairs every year (%500 deductible + $913 premium) while the insured (Good Sam/Affinity Corp) is betting you will not. They have the statistics to back up their gamble - they know that on average you will not have anywhere near that much covered expenses and they will make money on such policies.
If the refrigerator dies or you have a transmission or engine failure you break even or win easily. For most other things you will not.
Frankly, I think in a 2002 gas chassis motorhome you are better off banking the money and paying your own repairs. The odds of a really large expense are relatively low and the high deductible makes it hard to recover much on more routine repairs.
Diesels have a somewhat greater risk of ultra-expensive repairs, so the decision might be different. It all depends on the premium and the deductible.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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09-25-2008, 09:11 AM
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#6
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Senior Member
Join Date: Apr 2008
Posts: 782
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We pay for health insurance in case we get sick and need it. Chances are we wouldn't get sick enough each year to warrant the payments but we have the insurance anyway. We have insurance on our vehicles in case there's an accident but most of the time, we drive for years with no accidents. So as far as I'm concerned, this insurance policy - the extended warranty - is just another insurance policy that I pay for that gives me peace of mind. Could I pay for a catastrophic illness? Yes. Would I want to? No. Could I buy a new rig or car if I had a wreck? Yes. Would I want to? No. Could I pay for a major repair on my rig? Yes. Would I want to? No. So . . . I'll pay my $79 bucks a month to Good Sam for the few years that I'll be out here on the road.
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GraciesMom
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05-16-2009, 02:00 AM
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#7
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Junior Member
Join Date: Mar 2009
Posts: 28
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Quote:
Originally Posted by GraciesMom
We pay for health insurance in case we get sick and need it. Chances are we wouldn't get sick enough each year to warrant the payments but we have the insurance anyway. We have insurance on our vehicles in case there's an accident but most of the time, we drive for years with no accidents. So as far as I'm concerned, this insurance policy - the extended warranty - is just another insurance policy that I pay for that gives me peace of mind. Could I pay for a catastrophic illness? Yes. Would I want to? No. Could I buy a new rig or car if I had a wreck? Yes. Would I want to? No. Could I pay for a major repair on my rig? Yes. Would I want to? No. So . . . I'll pay my $79 bucks a month to Good Sam for the few years that I'll be out here on the road.
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Amen Sister! Rangers lead the way! Recon!
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05-16-2009, 06:17 AM
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#8
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Senior Member
Winnebago Owners Club
Join Date: Jul 2008
Location: Tampa
Posts: 146
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I've always had the opinion that insurance is for risks that I really can't afford to take. So, because it would ruin us to have to pay for major illness or injury I buy health insurance. I had life and disability insurance when I was young for similar reasons.
But breakdowns in my RV? Naaah. I'd grumble if it happened, then pay up or dump the thing. Almost by definition the odds are against coming out ahead or the insurers could never make a profit. I'll go with the odds (no service insurance), grumble if I lose, but probably come out ahead at a risk I can take. Not to mention the potential that they will give you a hard time when it's time to pay up, or will go out of business, or claim such and such is not covered (read the fine print), etc.
Each to his own. While I'm still under warranty maybe I'll start a slush fund for repairs, maybe $750 a year...
__________________
Rich
2009 Itasca Suncruiser 35L
Tampa, FL
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05-16-2009, 11:00 AM
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#9
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Junior Member
Workhorse Chassis Owner
Join Date: Dec 2006
Location: West Jordan UT.
Posts: 22
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I have Good Sams insurance on my motor home. $750.00 with $250.00 deductible. I renewed my 2nd. year because in Jan. 09 my drivers slide out failed. The repair bill was 2,365.72. $1800.00 of that was labor. They had to completly remove the slide out replace the slide bar and reinstall the slide. So for now I`m ahead!!
__________________
2004 Gulfstream Ultra Supreme
Workhorse 8.1, Allison 5 Spd.
GOD willing, may your always have A tailwind and your tank always be full!
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05-20-2009, 05:04 AM
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#10
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Senior Member
Workhorse Chassis Owner
Join Date: Oct 2007
Location: South Jersey
Posts: 1,083
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Quote:
Originally Posted by RV Roamer [Gary]
This is an insurance policy, which is inherently a gamble. You would be betting that you have at least $1413 worth of covered repairs every year (%500 deductible + $913 premium) while the insured (Good Sam/Affinity Corp) is betting you will not. They have the statistics to back up their gamble - they know that on average you will not have anywhere near that much covered expenses and they will make money on such policies.
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We call insurance a gamble ant the insurance companies call it a business.I think the odds are against us.
__________________
Kathy & George Zimm
Mickleton, NJ
2006 Coachman Epic & 2013 Chevy Equinox Toad
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