Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-22-2016, 10:26 AM   #1
Member
 
Join Date: May 2015
Location: Saco, Maine
Posts: 87
GEICO RV Insurance Policy

I have a question for other RV owners currently insured with GEICO on policy term lengths. I recently switched to GEICO in June of this year and I guess I mistakenly understood that my policy would be for the standard 1 year coverage. However, when I examined my insurance card today I noticed that my policy is effective until 12-7-2016 (only 6 months). I just assumed that all policies were for a 1 year period and I don't recall the GEICO agent making me aware that my policy would be for a 6 month period. My wife and I are not full timers but we do use our RV year round and the longest period of use is in the winter months when we become "snow birds". I talked to a GEICO agent today and she told me that all insurance companies have different operating procedures but their policies on RV coverage are for 6 month periods and at the end of my 6 months, my policy could go up or down, depending on what each state does. I thought I was satisfied with GEICO up until today, but I might have to re-evaluate. Has anyone else currently with GEICO experienced this same issue?
Thanks,
Dave
__________________

__________________
dlduck is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-22-2016, 10:36 AM   #2
Senior Member
 
Mr_D's Avatar
 
Solo Rvers Club
iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 25,993
Lots of them have gone to 6 month policies as a way to hide their rates. People (like the OP) think they are buying a 1 yr policy at a good price, then find out it was for only 6 months! As the agent said, they can juggle the prices sooner (usually up). Just another way to make more money. My policy is through AARP with The Hartford and is a one yr policy. Saved me some $1,500 over National General.
__________________

__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
Charter Good Sam Lifetime Member, FMCA, SKP
RV'ing since 1957, NRA Benefactor Life, towing '14 CR-V
Mr_D is online now   Reply With Quote
Old 09-22-2016, 10:44 AM   #3
Junior Member
 
Crock2Crock's Avatar
 
Join Date: Jul 2016
Posts: 13
Our policy is for 1 year at a time through USAA. If you're a veteran, USAA offers great RV insurance.
__________________
Crock2Crock is offline   Reply With Quote
Old 09-22-2016, 11:02 AM   #4
Junior Member
 
Ford Super Duty Owner
Join Date: Jun 2016
Location: Central Coast, CA
Posts: 9
I have had GEICO for my cars for over 30 years and now on my RV. GEICO switched to 6 month policies many years ago. It is not just specific to RVs.
__________________
Janet59 is offline   Reply With Quote
Old 09-22-2016, 11:11 AM   #5
Senior Member
 
TexasTom's Avatar


 
Newmar Owners Club
Join Date: Jul 2013
Location: DFW
Posts: 811
I have had GEICO for 15 years, have always had the 6 month policy period, and they have never changed the premiums in the middle of the year. But I do see how they could.

Over the years I have had a number of claims with GEICO (although none with my MH) and pretty satisfied with their service and coverage. I would have to get a 30% reduction in premium to get me to move.
__________________
2005 Newmar Kountry Star 3742
TexasTom is offline   Reply With Quote
Old 09-22-2016, 11:48 AM   #6
Senior Member
 
computerguy's Avatar
 
Fleetwood Owners Club
Solo Rvers Club
Ford Super Duty Owner
Join Date: Jul 2010
Location: Tampa, FL
Posts: 1,658
I have GEICO for my car and Nationwide for the RV. GEICO is 6 months and has been for a long while.
I shop at every renewal. I jump carriers to whomever has the lowest rates. No loyalty here as there is NO loyalty from them.
__________________
'16 Bounder 35K - 5 Star Tune, Roadmaster RSSA, CHF F/R, TST-507 TPMS Dish Wally Winegard RoadTrip WeBoost 4G-M WifiRanger EliteAC 960w Solar TS-MPPT-60 600AH Lithium GBS Cells
'16 Ford Focus "Auto" Titanium, Blue Ox Avail towbar and baseplate, RViBrake2
computerguy is offline   Reply With Quote
Old 09-22-2016, 11:54 AM   #7
Senior Member
 
PJStough's Avatar
 
Join Date: Oct 2015
Posts: 511
We have Allied a part of Nationwide. Our car's policies are six months. Our motorhome policy is for a year.
__________________
Paul & Ann Iowa
2005 Winnebago Voyage 38J
http://stoughrvadventure.blogspot.com/
PJStough is offline   Reply With Quote
Old 09-22-2016, 12:39 PM   #8
Senior Member
 
Join Date: Jan 2009
Posts: 645
Quote:
Originally Posted by TexasTom View Post
I have had GEICO for 15 years, have always had the 6 month policy period, and they have never changed the premiums in the middle of the year. But I do see how they could.

Over the years I have had a number of claims with GEICO (although none with my MH) and pretty satisfied with their service and coverage. I would have to get a 30% reduction in premium to get me to move.
I had Geico on the cars and the motorhome for years. This was a while back but i'm pretty sure they were 6 month policies.

Had a tornado come through about 15 years ago that laid a couple of trees down, one on top of the house and the MH, and one on top of the garage. Thought for sure i was going to have trouble but Geico stepped up and made everything right. Their claim service was outstanding.

Told myself then that i'd stay with them through thick and thin. Unfortunately, the premiums kept climbing, finally to the point where switching to another company saved about $800. Hated to leave them but it just got to where they were too expensive.

Have Progressive now and so far, it's still annual.
__________________
03 Itasca Sunova, 8.1 Workhorse on a P32 chassis
Mudfrog is offline   Reply With Quote
Old 09-22-2016, 12:42 PM   #9
Senior Member
 
Dmiles's Avatar
 
Appalachian Campers
Forest River Owners Club
Ford Super Duty Owner
Join Date: May 2009
Location: Suffolk, VA
Posts: 473
They gotta do something to pay for those 10,000 commercials they run every day!
__________________
2011 Winnebago Vista 30W
Duane, Precy, 9 year old son Matt, and Abby, our American Eskimo.
Dmiles is offline   Reply With Quote
Old 09-22-2016, 12:59 PM   #10
Senior Member
 
WyoFree's Avatar
 
Join Date: Feb 2015
Posts: 987
Hi Crock,

Unless USAA changed things recently they do not insure motorhomes, they send you over to Progressive for that. You may pay USAA I'm not sure about that, but Progressive is the insurance company.

USAA does insure cars and trucks however and at great rates for vets and their family.

I want you to know I fought very hard not to say "that's a crock"! It required great discipline, that I can tell you!
__________________
WyoFree is offline   Reply With Quote
Old 09-22-2016, 09:07 PM   #11
Senior Member
 
sdennislee's Avatar


 
Monaco Owners Club
Winnebago Owners Club
Join Date: Sep 2011
Posts: 6,404
My GEICO policy has had 6 month terms for as long as I can remember.

Had one claim for $4,000.00 (awning ripped out by wind while driving) close to 3 years ago, paid quickly without and increase in premium.

Rates are always competitive.
__________________
US Navy Vet, Liberty Tree Member of Oath Keepers, NRA & VFW Life Member, Alaska EMT.
2009 Safari Cheetah 40 SKQ
2009 Winnebago Chalet 231CR
sdennislee is offline   Reply With Quote
Old 09-22-2016, 10:17 PM   #12
Senior Member
 
donie's Avatar


 
Fleetwood Owners Club
Join Date: May 2009
Location: Ca/UT
Posts: 370
We have had Geico for some time and our policies have always been 6 months both for the toad and the Mh.
Had one hit and run claim and they were very quick on getting the damage repaired.
__________________
donnie(N6DSR), Linda, and 2furrykid s Buddy & Rain
2016 SouthWind32VS, 2014 Jeep Cherokee Limited
donie is offline   Reply With Quote
Old 09-22-2016, 11:00 PM   #13
Junior Member
 
Crock2Crock's Avatar
 
Join Date: Jul 2016
Posts: 13
Quote:
Originally Posted by WyoFree View Post
Hi Crock,

Unless USAA changed things recently they do not insure motorhomes, they send you over to Progressive for that. You may pay USAA I'm not sure about that, but Progressive is the insurance company.

USAA does insure cars and trucks however and at great rates for vets and their family.

I want you to know I fought very hard not to say "that's a crock"! It required great discipline, that I can tell you!
Yes, Progressive is the insurance company for USAA. No matter, the policy is for one year and they offer a great rate for vets and their family members.

As for the "Crock " comment. ..that is sooooo high school.
__________________
Crock2Crock is offline   Reply With Quote
Old 09-23-2016, 07:06 AM   #14
Senior Member
 
WyoFree's Avatar
 
Join Date: Feb 2015
Posts: 987
Come one Crock, a little humor, loosen up!
__________________

__________________
WyoFree is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
GEICO Insurance dwaugh10 Class A Motorhome Discussions 24 07-05-2014 08:52 PM
Geico Insurance Road Service??? Lukeaa Class A Motorhome Discussions 7 09-04-2012 01:44 PM
Geico Insurance Rom iRV2.com General Discussion 36 10-06-2010 10:36 PM
Geico Insurance Lindsay Richards iRV2.com General Discussion 24 12-13-2009 04:32 AM

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 08:48 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.