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Old 02-03-2013, 09:16 PM   #1
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Question New Unit Insurance-- is it worth it??

I am buying a NEW unit and have been offered a RV Protection Plan. Supposed to cover everything but fuels, bulbs, etc. Does anyone have any experience with these types of insurance. The company is a large USA insurance type. Quite a bit of cash $10k, but 7 years of coverage. The $10k would go a long way toward repairs and manufacturers have their own warranty's. Any comments from positive and negative experiences??? Thanks in advance. Unit is a 2013 Tiffin, 40ft., Cummins 380, etc

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Old 02-03-2013, 09:24 PM   #2
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Way too much $$!

How long is the manufacturers warranty? The service policy you buy won't pay anything while the main warranty is in effect so that's a year or two off the front end.

I'd put the money in the bank and use it to pay for any repairs. After 11 years with our present DSDP I would never have used up $10,000 on repairs, maintenance and even a new set of tires and Alcoa wheels.

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Old 02-04-2013, 07:03 AM   #3
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If you do a search, there are many discussions here about extended service plans (extended warranties). Some of us have had good experiences, many bad. The price you are quoting seems a lot higher than most. You need to be aware that the cost of these policies is negotiable.

If you have the resources and the psyche to take the personal responsibility, it is probably always a better financial decision to self insure. If you do not have the resources to fund and contribute to a self insured fund, or if your peace of mind will be better with one, an extended service plan might work for you. IMO, you should probably do a lot more research before making an informed decision. Good luck.
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Old 02-04-2013, 09:30 AM   #4
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Protection plan is in fact insurance and will have deductibles excusions etc so the cost must take into account those things ..
The rule on insurance I follow is if you can afford the expense , all be it with some pain , don't insure ! insurance should be used for catastrophic events you can't pay for. Insurance company's make money off these so more people lose money than make up the expense that's just a fact. Can you roll the dice and most likely win ?? That's the question.
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Old 02-04-2013, 03:58 PM   #5
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thanks for the time to respond. Just confirms my own decision. Thanks again to all.
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