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Old 04-30-2015, 01:16 PM   #1
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Forced to sell our TropiCal

Very sad day; we're forced to sell our much loved TropiCal.

We now have 94,595 miles on it and I tried to extend my Warranty this morning. Good Sam won't cover anything over 80,000 miles and Easy Care wants nearly $4,000.00 to extend for 1 year or 12,000 miles. No way can we afford that.

Do any of you know of any Insurance company that might insure only the Engine and Transmission against catastrophic failure? A friend across the road from us this winter in Arizona had an injector fracture in February and ruined his diesel engine to the tune of approx. $27,000.00 . I sure couldn't swing anything like that, but a $4,000-$5,000 deductible wouldn't hurt so bad.
I appreciate any suggestions that you might have.
Thanks,
Michguy (Don Lehr)
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Old 04-30-2015, 02:08 PM   #2
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A suggestion from a former Michigander: Take what you have been paying for your extended care service, and put it in the bank. It won't be too long until you can "self insure" all but the worst problems.

Like all insurance, it's a gamble between something bad happening, and no problem. I suggest there are far more motorhomes on the road without catastrophic failures than those like your friend.

Quote:
Originally Posted by michguy View Post
Very sad day; we're forced to sell our much loved TropiCal.

We now have 94,595 miles on it and I tried to extend my Warranty this morning. Good Sam won't cover anything over 80,000 miles and Easy Care wants nearly $4,000.00 to extend for 1 year or 12,000 miles. No way can we afford that.

Do any of you know of any Insurance company that might insure only the Engine and Transmission against catastrophic failure? A friend across the road from us this winter in Arizona had an injector fracture in February and ruined his diesel engine to the tune of approx. $27,000.00 . I sure couldn't swing anything like that, but a $4,000-$5,000 deductible wouldn't hurt so bad.
I appreciate any suggestions that you might have.
Thanks,
Michguy (Don Lehr)
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Old 04-30-2015, 07:35 PM   #3
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You must weigh what the MH is actually worth against the cost of replacing an engine or transmission. At some point the graph lines cross. You may be making the right decision, OTOH, it may run for another 20 years without a drivetrain problem.
There are insurance companies that will issue a policy for most anything-for the right price. Lloyds of London comes to mind.
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Old 04-30-2015, 07:56 PM   #4
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We just priced out a plan for our 2008 DP. Good Sam online, $1,000.00 deductable, $1,200.00 a year.

That is the middle road. The a/c quits, you pay. The motor blows, you pay a grand and they pay the rest.

I may do that, pay for insurance for the repairs that would break the bank if they occured. I guess the risk is I have multiple $1,000 events in a year.

You can price Good Sam warranty on their web site yourself. We also talked to them, to confirm.

L.
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Old 04-30-2015, 09:37 PM   #5
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Judging from the dealings I have had with them (GS) yiu would probably be hard to get them to pay on a critical engine or transmission replacement anyway. They are sure to have enough fine print in their requirement of "maintenance" that you will have failed to do all of the maintenance they require.
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Old 04-30-2015, 09:58 PM   #6
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Quote:
Originally Posted by michguy View Post
Do any of you know of any Insurance company that might insure only the Engine and Transmission against catastrophic failure?
I appreciate any suggestions that you might have.
Thanks,
Michguy (Don Lehr)
I would get an engine oil and transmission fluid analysis. If those inexpensive tests look OK, I would enjoy my rig without the insurance.
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Old 04-30-2015, 10:04 PM   #7
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Oil test may or may not show enough to be useful. I've seen cases where the sample was OK and the engine blew shortly thereafter.
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Old 04-30-2015, 10:09 PM   #8
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If you are selling it just locate a few insurance companies and discuss them with the buyers.

Add the cost of the best one to the selling price and include it but only as part of sale so it can be bought in buyers name.

Then you can discount by not including it
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Old 04-30-2015, 10:15 PM   #9
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OP: Are you selling because you can't get a service policy on it or are you wanting one so you can pass it on to a buyer?
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Old 04-30-2015, 10:34 PM   #10
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To each there own I guess . Personally I've never had any kind of extended warranty on Anything I've owned. Like someone suggested earlier . Bank the money you pay for that service & save up
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Old 05-01-2015, 12:23 AM   #11
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Quote:
Originally Posted by Mr_D View Post
Oil test may or may not show enough to be useful. I've seen cases where the sample was OK and the engine blew shortly thereafter.
I would be interested to learn of the details in the cases where sample was OK and the engine blew shortly thereafter.

IMO it is self defeating to be fearful of something that may or may not happen. In the case of the OP, they will not enjoy their rig because the engine or trans may blow up and they won't have insurance to cover it. If RVing is enjoyable to you, then by all means do it.
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Old 05-01-2015, 06:44 AM   #12
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I should point out that the reason insurance companies offer insurance is, they do not expect to pay out. Do regular maintenance, do periodic fluids analysis to establish trends and enjoy your MH without extended care insurance.
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Old 05-01-2015, 06:46 AM   #13
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Exactly gruelens . I'm 48 yrs old . I've only had 1 vehicle that had any kind of warranty .
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Old 05-01-2015, 07:58 AM   #14
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These companies that sell extended warranties (or 'cheese' as those in the business call it) are in business to make money. They've run the statistics and analysis and the odds are in their favor. I bought a 5 year power train warranty on my rig for $1,495. I'm half way through that 5 years and nothing has happened. I have the feeling that nothing will until after this warranty expires.
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