|
03-27-2015, 11:09 AM
|
#1
|
Senior Member
Join Date: Jan 2013
Posts: 862
|
Hazard Insurance
Coach Net, which we have, has recently started offering a tire road hazard element to there coverage. Recently got a quote, which seems pretty reasonable. Anyone else looked into this coverage. Our quote is $190 a year for 2 replacements per year due to road damage. Won't cover dry rot/age out/tread separation, but cuts,punctures etc yes. For those with more experience than me, which should be a large pool of opinions 😆, what say you? Good value?
|
|
|
|
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!
|
03-27-2015, 11:38 AM
|
#2
|
Community Moderator
Newmar Owners Club
Join Date: Feb 2011
Location: Point Pleasant Beach, NJ
Posts: 31,248
|
I have only had one flat tire in the last ten years and that was on my car. So for me it would not be worth it. Having said that, I'll probably a flat today! The cost for the insurace is cheap compared to what a tire would cost on some big rigs. Insurance like everything else, is a personal decision only you can decide on.
__________________
Tony & Ruth........... FMCA#F416727
2016 London Aire 4519, Freightliner chassis, Cummins ISX, 2018 Jeep Wrangler Unlimited, Blue Ox Avail with AF1. TST 507 TPMS
No amount of money can buy you an extra second of time.
|
|
|
03-27-2015, 12:46 PM
|
#3
|
Senior Member
Join Date: Jun 2012
Location: The Bluegrass State
Posts: 8,882
|
Since 1968 I have been pulling or driving RV and have only had 1 flat. It was a tire valve stem that broke. So that insurance would have cost me 47 years times $190= $8,930 with no return at all.
But as TonyDi said, all that could change today....well not today but the next time I take the coach out.
__________________
Good Luck, Be Safe and Above All, Don't Forget To Have Fun
Pete
Central Kentucky
2006 Fleetwood Discovery 35H, 2014 Honda CR-V, M&G Engineering Braking System
|
|
|
03-27-2015, 03:11 PM
|
#4
|
Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,519
|
The odds of having even one road hazard damaged tire per year are slim (unless maybe you drive on really bad roads). But if it does happen, you could maybe get back several hundred dollars.
Note that your comprehensive insurance might also cover an actual road hazard, e.g. you hit a piece of metal in the road. Probably would'nt cover a pot hole, though. That's more like "wear & tear".
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
|
|
|
03-27-2015, 07:39 PM
|
#5
|
Member
Join Date: Jan 2015
Posts: 38
|
I might have questioned the value until I had three flats in two weeks. On three different cars. None of them were from the same cause, all the tires had sufficient tread, all had had the the tire pressure checked recently. Just bad luck. That doesn't count the time our tow vehicle blew the transmission while towing our RV (and both truck & trailer had to be towed 99 miles home) or the couple of flats that our kids had during the lovely learning to drive phase.
It's not cheap and I know we have had way more than our share of call outs from them, but it's way less hassle than changing a tire on the shoulder at night in the rain. It's like any insurance really, you buy it for the peace of mind, not for the value. Some people will pay and not need it and those people are apparently funding me and my kind
|
|
|
03-29-2015, 08:05 AM
|
#6
|
Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,519
|
Njtroy: Aren't you talking about roadside assist rather than tire hazard insurance? Mike Harriet asked about hazard insurance that buys you a new tire if it fails due to a "road hazard". That's a different animal than a service that fixes flats or tows the RV.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
|
|
|
03-29-2015, 08:52 AM
|
#7
|
Senior Member
Join Date: Jan 2013
Posts: 862
|
Tire hazard insurance was my question. My tires are only 5 1/2 yrs old, but are Michelin XZA2 ENERGY, with a J load rating. They are very pricey. So one replacement would cover 2.5 yrs of premium. Realize it's a crap shoot on payoff, so was wondering if worth it. In 2-3 years, I'll probably be replacing them anyway.
|
|
|
03-29-2015, 09:36 AM
|
#8
|
Senior Member
Join Date: Feb 2010
Posts: 4,654
|
We just got set for the F250 and they had a 25 doller per tire lifetime warranty...anything happens they repair or replace.
Combine that with good spare and roadside assistance and you should be good.
If you cannot carry spare the place we used is nation wide so options there.
Do not think they do 22.5 but that other place may.
__________________
Tony & Lori
1989 Country Coach Savannah SE
|
|
|
03-30-2015, 09:43 AM
|
#9
|
Senior Member
Join Date: Oct 2013
Posts: 809
|
One flat in 15 years on the 40' mtr. hme (inside dual) and I even fixed it myself. ya, surprised me too. Save your money.
|
|
|
03-30-2015, 10:00 AM
|
#10
|
Member
Join Date: Jan 2015
Posts: 38
|
And oops, you're right. That'll teach me to reply when I'm half asleep.
|
|
|
03-30-2015, 01:33 PM
|
#11
|
Senior Member
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 19,637
|
We've full-timed for 16+ years and have never had a road hazard issues. We traveled constantly and spent a summer in Alaska. We do have roadside insurance.
Hazard Insurance: I'd say just bank the money you'd spend on it.
__________________
Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
|
|
|
03-30-2015, 05:09 PM
|
#12
|
Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,519
|
Does the insurer pro-rate for wear & tear when they replace one? I'll bet they do. That could reduce the benefit quite a bit.
I note that the Tire hazard package includes roadside assist for the tire problem, but you already have that if you also have the Roadside coverage. Unless they have a combined package deal that discounts the pair, you might be paying twice for some of the coverages.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
Search this Thread |
|
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|
|
|