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Old 08-19-2014, 12:45 PM   #1
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Extended Warranty/Service Plan experience

My wife and I are looking into extended warranty/service plans for our 2015 Outlaw. There are several companies that offer them, but I'm always nervous about them refusing to pay for issues.

For those that have had to use them, what sort of experiences people have had and what company you are using? Good, bad, indifferent - all experiences are appreciated!
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Old 08-19-2014, 01:01 PM   #2
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If this a new unit and still under factory warranty(s), an extended warranty(the correct term is service contract) is not recommended as it would most likely be for coverage of things already in the factory one. Wait until your factory warranty(s) are gone before considering. I would also recommend not buying from a dealer as they are way overpriced and can be negotiated for as much as 1/2 less with a (3) party company when the time comes.
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Old 08-19-2014, 01:28 PM   #3
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I'm presently in a fight with one of them right now as they are really trying to find a way to say NO! So far I owe the shop for 8 hours of labor (@ $125.00 per hour)to diagnose the cause of failure to my GENSET. The repair cost prior to their adventure to "no" was $2700, right now we are over $3800, if I have to foot the bill, and I will still have an old GENSET with a new motor. Danger, Danger, Danger. I don't want to call them out yet because they are still in "review."
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Old 08-19-2014, 01:33 PM   #4
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I got it when I bought a used Monaco. I used more in claims than I paid for the coverage and when I finally got rid of it before the coverage ended, I received a check back for about $1,200.00. That was a good investment. When I bought a used Winnebago Journey I got coverage for it too. That wasn't a good investment because the Journey never needed any repairs. Zero problems. It's an insurance policy. You might need it and hopefully you won't.
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Old 08-19-2014, 01:40 PM   #5
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I got it when I bought a used Monaco. I used more in claims than I paid for the coverage and when I finally got rid of it before the coverage ended, I received a check back for about $1,200.00. That was a good investment. When I bought a used Winnebago Journey I got coverage for it too. That wasn't a good investment because the Journey never needed any repairs. Zero problems. It's an insurance policy. You might need it and hopefully you won't.
Who was the provider? There are many out there to choose from, and they are not all the same.
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Old 08-19-2014, 01:59 PM   #6
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I'm presently in a fight with one of them right now as they are really trying to find a way to say NO! So far I owe the shop for 8 hours of labor (@ $125.00 per hour)to diagnose the cause of failure to my GENSET. The repair cost prior to their adventure to "no" was $2700, right now we are over $3800, if I have to foot the bill, and I will still have an old GENSET with a new motor. Danger, Danger, Danger. I don't want to call them out yet because they are still in "review."
Let me just put it this way, they want to hold me to maintenance that may or may not have been done prior to my ownership....My first claim with them, ever!
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Old 08-19-2014, 03:09 PM   #7
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Who was the provider? There are many out there to choose from, and they are not all the same.
Star. They never gave me any problems even on the largest bill for installing a new radiator at over $2,000.00 They sent someone out to Cummins Bridgeway to verify the leak and had it approved immediately.
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Old 08-19-2014, 03:37 PM   #8
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Let me just put it this way, they want to hold me to maintenance that may or may not have been done prior to my ownership....My first claim with them, ever!
WooHoo! After three weeks, an initial "no" a few well placed e-mails, I just got a call from the shop telling me they are now saying yes and paying most all the additional labor. Persistence is everything.
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Old 08-22-2014, 12:55 PM   #9
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Thanks for the info everyone. Navy - glad things are working out!
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Old 08-22-2014, 01:07 PM   #10
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Quote:
Originally Posted by rodz View Post
I got it when I bought a used Monaco. I used more in claims than I paid for the coverage and when I finally got rid of it before the coverage ended, I received a check back for about $1,200.00. That was a good investment. When I bought a used Winnebago Journey I got coverage for it too. That wasn't a good investment because the Journey never needed any repairs. Zero problems. It's an insurance policy. You might need it and hopefully you won't.
Yes, I'm glad I didn't buy an extended warranty on my Winnebago Journey as I've had zero problems with it, also.

Cheers.
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Old 08-22-2014, 01:30 PM   #11
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MonkeyClaw...I'm in the same boat you are. Lots of stories around but I've yet to be able to get a good comparison of the main service contract providers.
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Old 08-23-2014, 11:19 AM   #12
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Most complaints stem form a misunderstanding of what the service contract covers. The sales people want you to think that all repairs are 100% covered, but that is far from the truth. Read all the fine print carefully and do not assume that any interpretation will be in your favor. It will NOT. EVER.

As for a new RV warranty, the service plan wiill take effect after the manufacturer warranty expires. They may call your plan a 5 year warranty, but its really a 1 year mfg warranty + a 4 year service plan. The premium you pay reflects that. There is no need to decide right away - any company will write you a service plan for a "new" RV at any time in the first year. It doesn't make any difference because they won't pay a dime until the mfg warranty expires anyway. By the way, since the engine, tranny, etc. often have warranties greater than one year, they probably won't be paying for anything on those either.
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Old 08-24-2014, 11:19 AM   #13
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This question has been discussed many times in these forums.

In my case the absolute lowest estimate for a 2 year extended warranty with a $500 deductible was $3400 and this from a somewhat marginal at best company. The more reputable companies wanted up to $5000 for this same 2 years. Just not worth it. We have spent maybe $500 to $600 on repairs in a year and a half. We do have a couple more repairs to do that might cost as much as $1500 total (high estimate). We will still be money ahead.
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Old 10-11-2014, 07:09 AM   #14
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your quotes seem awfully high,i have a 38 ft Tiffin Allegro 2009 and the highest quote i got for 2 years or 24000 miles was$3100 .I hope this helps Bob
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