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Old 09-12-2013, 05:01 PM   #1
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Question Another extended warranty question

Dealer is offering an extended plan by RVcare. Any one have any dealings with this group? They are under written by Phoenix American warranty company. Also, anyone know of a plan for engine/running gear only.
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Old 09-12-2013, 05:05 PM   #2
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Hi and welcome to the forum.

I can't help with those specifics but I'm sure some folks will be along soon with opinions. The topic of extended warranties never fails to bring out lots of opinions.

Best of luck.

Rick
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Old 09-12-2013, 06:10 PM   #3
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Old 09-12-2013, 11:34 PM   #4
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Quote:
Originally Posted by oldoug View Post
Dealer is offering an extended plan by RVcare. Any one have any dealings with this group? They are under written by Phoenix American warranty company. Also, anyone know of a plan for engine/running gear only.
First, Welcome to the forum. You're in the right place!

The devil's in the details. Coach: make, model? new? used? age? how will you use it?
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Old 09-13-2013, 08:46 AM   #5
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Devilish Details

Have a 2008 Monaco Diplomat, 45000 miles, bought used, Retired, and looking to travel some at first, and lots if I really get into it. Wife is an RVer from long ago, and is retiring in 6 months, and really wants to travel.
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Old 09-13-2013, 10:35 PM   #6
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Have a 2008 Monaco Diplomat, 45000 miles, bought used, Retired, and looking to travel some at first, and lots if I really get into it. Wife is an RVer from long ago, and is retiring in 6 months, and really wants to travel.
So, you've got a 5-6 year old coach, full of 5-6 year old appliances, equipment, and systems. No warranty coverage. Its a simple bet: How confident are you that none of the appliances and/or systems in your coach will breakdown over the next 3, 4, or 5 years? This is what you buy a service contract for.

We bought our contract from Wholesale Warranties. Do not be misled, that's just their name. You want to buy a service contract, not an extended warranty. A service contract is an insurance policy, hopefully underwritten by an honorable, financially solid company. Our contract is underwritten by American Bankers Insurance Co of Florida (A.M. Best A-rated), and administered by Allegiance Administrators, of Ohio. We've had two claims (roof a/c, and engine mounted dash a/c compressor) in the 14 months since we initiated the contract, and both were handled smoothly and professionally. Of course, we had to pay our deductible.

If you do elect to buy a contract, don't go cheap. Buy the most comprehensive plan offered by that company. You're looking for an "exclusionary" coverage. Most plans tell you specifically what items they will cover, and it provides the administrator with myriad ways to deny that a covered item caused the ultimate failure. An exclusionary, or comprehensive plan covers everything bumper to bumper except the specific items listed, and most of them are wear and tear items that nobody's warranty covers anyway. It will cost a bit more, but solidifies your position markedly. Add to that the "consequential damage" option for a little more, and you will be about as tightly covered as you can be.

Remember, the objective is not to save $100 on the premium. The objective is to make sure you don't have to personally pay for the new A/C unit, or engine water pump. There are very few failed appliances or mechanical devices on a large motorhome that can be replaced for less than $1000.

For a coach of your age, I would think you'd be able to buy a multi-year contract at a pretty reasonable rate. call Wholesale Warranties, or a company of your choice, and check them out.
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Old 05-28-2015, 11:42 PM   #7
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Oldoug,

Did you ever buy that extended warranty from RVcare?

What can you tell us about?
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Old 05-30-2015, 06:32 AM   #8
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The original post is over 1 1/2yrs. old. Doubt if they are watching this anymore.
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Old 05-30-2015, 12:42 PM   #9
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Well I thought I would try my luck since I get emails when someone answers my posts. Cant find any info about this company.
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