Opinions of these Service Contract Providers

[sdennislee]

I have decided to purchase a Vehicle Service Contract (VSC). Some call it an extended warranty.

I have narrowed it down to 3 choices, if I am missing one you feel is worthy please comment.

I would love to hear from those of you that have had either positive of negative experiences with these companies.

The short list:
EasyCare - TotalCare - 4 years /48,000 miles / $500.00 deductible - $2,885.00 they only offer inclusionary polices so that is a downside

GoodSam - 4 years / 48,000 miles / $500.00 deductible - $3500.00
they only offer inclusionary polices so that is a downside

CSI Allegiance, backed by General Fidelity - 7 years / 100,000 miles / $50.00 deductible - $4351.00 includes coverage for consequential damages
CONSEQUENTIAL DAMAGE – Reimbursement is provided in the event of a Breakdown of a Covered Part due to the failure of a non-covered part or a Breakdown of a non-covered part due to the failure of a Covered Part.

I think the Consequential Damage coverage and the fact that this policy is exclusionary are both big pluses.

Thanks

[Mr_D]

If I were going to buy one (and I won't ever again) I'd get the CSI Allegiance for the reasons you cited.

That $4,351 can repair a lot of things that might go wrong. One of which is that company goes belly up as lots have, leaving you with nothing.

[JC2]

You should be able to wheel and deal on the prices also. In the few times I've bought extended service plans for vehicles, I've never paid what they initially quoted. Even got up and walked out the door with the sales person right behind until they lowered the price to what I felt comfortable with. I'm sure you know, but read the fine print very carefully as they will look for ANY loophole to avoid paying a claim.

[mundyecoco1]

Quote:

Originally Posted by sdennislee I have decided to purchase a Vehicle Service Contract (VSC). Some call it an extended warranty. I have narrowed it down to 3 choices, if I am missing one you feel is worthy please comment. I would love to hear from those of you that have had either positive of negative experiences with these companies. The short list: EasyCare - TotalCare - 4 years /48,000 miles / $500.00 deductible - $2,885.00 they only offer inclusionary polices so that is a downside GoodSam - 4 years / 48,000 miles / $500.00 deductible - $3500.00 they only offer inclusionary polices so that is a downside CSI Allegiance, backed by General Fidelity - 7 years / 100,000 miles / $50.00 deductible - $4351.00 includes coverage for consequential damages CONSEQUENTIAL DAMAGE – Reimbursement is provided in the event of a Breakdown of a Covered Part due to the failure of a non-covered part or a Breakdown of a non-covered part due to the failure of a Covered Part. I think the Consequential Damage coverage and the fact that this policy is exclusionary are both big pluses. Thanks

Try GoRVwarranty.com. Just got a 7 year for much less than Good Sam. Nice people also!

[RickO]

I can't compare the "value" of each since the prices will vary greatly but we've been very happy with our Easy Care 7 year policy on our new DP. They've handled all claims without blinking an eye.

Rick

[mustang652]

I'm in the same situation on an "extended" service contract due to the new RV. For the most part I'm down to choosing between the Good Sam policy that they refer to it as an insurance policy. The rep tried to explain the diff between an insurance policy and a warranty policy, but got to admit that I did not understand it. The GS policy is $3000 with a $100 deductable for 4 years or the Extra Ride Policy for $3900 plus with $100 deductible for $4000 for 5 years with a $100 deductible. I had the ER on the Tiffin. Even though it was their so called "Platnium" policy, which is supposed to be their best, it did not cover the replacement of the drivers side seat belt when it went south or the labor of chasing down why nearly all the front end electrical accessories went down due to a loose connection under the dash. I need to make a decision pretty soon so that I'm covered on any breakdowns or malfunctions.

[Heater]

I just received a good quote from ACC. I am currently with Good Sam but I will not renew. The ACC plan also includes a tire warranty. I have to read the fine print but I can already tell that this is a better plan than GS

[Mr_D]

Quote:

Originally Posted by Heater I have to read the fine print but I can already tell that this is a better plan than GS

Therein lies the "secret" with a service policy!! Read and UNDERSTAND the fine print before signing on the dotted line. Most of the people who are dissatisfied with them don't understand the coverage.

Most will have a disclaimer about "if a covered part is damaged by a non covered part then neither is covered"

Also, be sure you do the required maintenance: One poster had a transmission failure, the policy required him to do certain maintenance. They asked for his service records and found that the owner had missed an engine oil change by 750 miles. On the basis of this they denied coverage. He did get his money back for the policy though when the company cancelled his policy.

Another person had an underhood fire, the shorted out wire that caused te resulting fire was covered, but none of the resulting damage was.

[RickO]

Quote:

Originally Posted by Mr_D Another person had an underhood fire, the shorted out wire that caused te resulting fire was covered, but none of the resulting damage was.

I sure agree about reading and understanding the contracts but I don't think I would look to my extended warranty/service contract to repair fire damage. Isn't that covered by the comprehensive part of the coach insurance?

Rick

[sdennislee]

Quote:

Originally Posted by Mr_D Most will have a disclaimer about "if a covered part is damaged by a non covered part then neither is covered"

This is why I am leaning towards the CSI Allegiance policy. It has the consequential damages piece. Cost for 7 years is only an additional $145.00.

[greenskeeper]

One thing that we did before we purchased a service contract on our pickup was to talk to 3 different service writers at verious dealerships to find out what companys were the easiest to deal with, we found out that the one we were going to sign with would not cover about 1/3 of the rigs brought in, we did sign with GMC and got the price knocked down almost $1000.00 at the time of signing. We made out real good and within 20 mo's had made our money back, than on we were home free... although that dosent lend to our choice of a truck......

[johnnyringo]

I just received a quote from wholesalewarranties.net
They proposed a 4 year, 48K mile contract by Star RV, Diamond coverage including wheel and tire coverage for $4400.

Anyone familiar with them?

[Davdeb1]

I worked for over 20 years in a vehicle dealership. The ext warranty dept was a very good profit center. Consumer reports will tell you, not to purchase an extended warranty. They also say if you feel you must for peace of mind, ONLY buy the manufacturers offering.
Do any MH manufacturers offer one?

[W8RLM]

johnnyringo,

I have an extended warranty through Interstate which includes Star RV as one of their brand names. It is the Diamond version. I've used it several times. This year, they have paid for a new alternator, replaced HWH jacks, new wiper motor and some other repairs. They have honored the policy everytime without any fuss, including labor. No deductible.

In the long run, I don't know if I'll recover the cost, but it sure makes traveling less stressful knowing that repairs will be covered.

W8RLM - Bob