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Old 09-24-2013, 12:45 PM   #1
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Good Sam "Storage" insurance.

Does anyone have any experience with Good Sam-National General Assurance Co. storage insurance? It seems while your RV is in storage the insurance drops to the bare basics. Then when you are ready to take the RV out on a trip the insurance goes back to the full coverage you agree on.
Thanks, Lloyd.
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Old 09-24-2013, 12:59 PM   #2
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I am about to call NGA and tell them that our MH is now in storage. Usually in one or two weeks, we'll get a refund check for the difference between active & storage rates for the duration of the term. About two weeks before put the MH on the road, I'll call them and reset the rate and they will tell me how much I will need to send them to "re-activate" the insurance. I have been careful to change status coincidental with the 1st of a month - just to keep things simpler.

So far this has worked just fine.
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Old 09-24-2013, 01:46 PM   #3
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I have done this, works well. You can even activate/deactivate via chat.

In California it's triggers a notice to the DMV and you get a nasty-gram about not having minimum required insurance. To avoid this you move the vehicle to non-operating status with the DMV at the same time as deactivating with your insurance. I state requirements may vary of course, I only mention this for awareness.
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Old 09-26-2013, 11:00 AM   #4
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I think it just drops liability insurance but keep the rest intact? Good question to ask the agent - just what coverage do you have while in storage status. I would want everything else to remain in effect - it could still be involved in a collision (from another vehicle in a storage lot, which may be uninsured), and of course fire or storm or whatever that is covered by your 'comprehensive' insurance. And there will still be "personal property" inside it as well.
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Old 09-28-2013, 11:29 AM   #5
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vsheetz... I've been utilizing this feature for several years now and have not once been contacted by the DMV.

However, be aware that if your rv is still financed, you must get permission from the financier prior to reducing the coverage. They may or may not allow this.

As for what is reduced.... on mine only the comprehensive was retained...all other coverage is removed. I do have my mh in an enclosed and secure facility located on my property with only myself having access to it. Having your rv located in a public storage facility or sitting outside in your driveway and reducing all coverage probably would not be a good idea.

Ron
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Old 12-29-2013, 10:49 PM   #6
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I use this feature too. Here is the Calif DMV website to turn on-off the vehicles active registration when in-out of storage.

https://vfr.dmv.ca.gov/CISA/anu-view.html
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Old 12-31-2013, 11:27 AM   #7
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This is my third winter storage season. Would be better if they would just issue a policy credit rather than a refund. Seems like we are just sending money back and forth. Does save some money but in effect they are cancelling your liability and collision coverage and leaving you with just comprehensive. Fine if you have storm damage, fire or theft, but you may have a problem if someone backs into your rig and runs if you are in public storage.
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