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Old 05-18-2009, 08:26 PM   #1
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Question Service Contract United Service Protection

Dear RV Owners

Today I closed on my first RV and I was presented with various options for service plans and Gap coverage (difference in Loan value vs insurance proceeds in case of total loss) I bought a 2004 National Seabreeze LX 8321 and it is not in the Workhorse brake recall list.

I was at a total disadvantage to judge the value of this but since I wanted to finance these costs I went ahead with the Service plan and Gap coverage. I would like your opinion of the Service Plan I purchased.

I purchased a Service plan administered by United Serviced Protection St Petersburg FL from Camping World Care. It is for 48 months for both Chassis and coach. There is 16000 miles on the Motor Home.

The total cost was $6800 fro 4 years including "consequential loss" option for loss of a non covered part due to failure of a covered part.

This coverage is for a breakdown. A "Breakdown" is the failure of a covered part to perform the function for which is was designed due "solely" to a defect in materials or workmanship as originally manufactured.

What does that mean if something stops working because it wore out? Is that a defect?

Anyone care to express their opinion of these plans and this cost. I would sure appreciate it.



Sam Leonard
2004 National Seabreeze 8321LX
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Old 05-19-2009, 07:31 AM   #2
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Much has been written about extended service warrenties on this forum. If you go to find and type in Extended service warrenty you should get a whole lot of anwsers.
A defect is just what it states DEFECTED not worn out.
You could replace a lot of things with $6800.00.

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Old 05-19-2009, 07:44 AM   #3
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Sam, welcome to iRV2.

Based on your description (especially the use of the word "solely"), I would say you are not covered if a part simply wears out, unless you can prove the part wore out due to a design or manufacturing flaw. And the burden to prove that will be entirely on you.

read & learn is correct, there have been a lot of threads and discussions on extended warranties. My personal opinion is you are better off putting the money you would pay for the premium into a money market fund or savings account to use in case something breaks in the future. That way, YOU get to decide if and when you are going to use that money. IMO, many of the extended warranties are so restrictive they are not worth the hassle.
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Old 05-19-2009, 09:22 AM   #4
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We have the same coverage. On the first issue which was the burner motor for our Hydro hot system it went pretty smooth.Came to about 1,000.00 and they fixed it no problems . Our second issue came with our 12.5 kw generator . It has been there 4 weeks this past Saturday. First they changed the main control unit of course that did not fix it.Then they found that the stator was shorted.Thats when the warranty company made me authorize the tear down before they would do anything more.(now i feel that was because CW changed parts and did not really diagnos it .) they got it tore down and also found the armeture marginal at best.They have decided to rplace all including the tear down at no charge to me.I did not even have to complain or get mad.Total cost to date now is over 6,500.00 dollars(at thier cost not retail to me).Been lucky so far but did pay for my original exspense already and still have 2.5 years and 30,000 miles to go.
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Old 05-19-2009, 06:02 PM   #5
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$6800 is a huge amount for 4 years of coverage on a gas chassis coach, even considering that "consequential damage" is probably a significant extra cost item. As a comparison, I paid $3200 for 4 years on a 2004 high end diesel pusher and they are much more expensive to repair.

Does the $6800 include the Gap Coverage? And if so, for how long? Hard to put a value on that without knowing the size of the gap, but that should not amount to a huge amount o money, seeing as though it would only pay out in the case of a total loss (rare).

Typically dealers charge a very large mark-up when they sell these policies. You can usually buy for substantially less elsewhere. Or you could have negotiated the price rather than paying the asking price - just like you probably did with the price of the coach itself.

Sea Breeze LX is really nice coach though - tremendous value for the $. We had a 2002 Dolphin LX for five years before swapping it for the current coach.
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Old 05-19-2009, 07:26 PM   #6
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Dealers love to sell extended warranties and protectant packages. There is the potential for a huge amount of profit.

Personally you will do better in 99% of the cases to take the money and put it in the bank.

If you really want it, try to offer him $3400.00, take it or leave it. Never hurts to ask.


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Old 06-08-2009, 12:04 PM   #7
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Originally Posted by Samflhomes View Post
Dear RV Owners

Today I closed on my first RV and I was presented with various options for service plans and Gap coverage (difference in Loan value vs insurance proceeds in case of total loss) I bought a 2004 National Seabreeze LX 8321 and it is not in the Workhorse brake recall list.
As far as "Gap coverage" goes, my RV insurance has full replacement coverage in the policy. In the event of a "Total Loss" in the first 5 years they will replace my coach with the same current year model, between year 6 and 11 they will give me what I paid for the coach. This would be a much better deal (in my case any way) then loan value vs insurance payment.

As far as service contracts go...I'm of the belief that IF, and only if you read, and understand what you've read then maybe an extended service plan might be worth the expense if you can get it at a reasonable price. Just remember that extended service plans are a BIG profit item for a dealership.

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