A roadside asst plan + an Extended Service Contract and what else

[okie143]

Ok I am new to motorhome ownership but not new to motorhomes in general. However, in the past, we just toughed it up and fix everything on my dad's MH ourselves.

No skip forward several decades and we are not able to fix a lot of stuff anymore.

So, after reading a bunch of posts on this site and others, I have come to the conclusion that I need to purchase (don't have too but like to sleep easy at night):
1. RV accident insurance and to get registered.
2. Purchase a good exclusionary policy, and pay a bit extra for consequential damage coverage, add the "gaskets and seals" rider and tire and wheel rider. I know you don't have too but I like to sleep at night.
3. Purchase a road assistant plan in case of breakdown and need tow, lockout, refuel, etc.
4. Find a master engraver to make plates to print money to pay for everything.
Is there one policy that does everything?

I got a quote from Wholesale Warranties for 4/48,000=$4698.00 but it doesn't include consequential damage or gaskets and seals riders.

Thanks.

[kalynzoo]

Apparently consequential damage is not being offered by extended warranty companies anymore. The ExtraRide policy I purchased with my new RV lists consequential damage as an option in the literature, but I found it was no longer available at the time of purchase. Wholesale Warranties also quoted a policy that does not include consequential damage. They did say it would cover the things I questioned, and I know from experience that they are good guys, and will go to bat for their clients on a claim. But, I also know from experience that if it is not in writing in the policy....forget about it.
I too have an extended warranty and roadside assistance so I can sleep at night.

[Ray,IN]

No one policy I'm aware of. I've read about some guys that do #4, but I think they are in jail now.
I have Good Sam Roadside assistance, their Extended service contract, and their MH insurance(National General ins.), GS is merely a broker for RV insurance, and buys from whichever gives them the best deal. I'm satisfied with both policies, sure I've been dissapointed once in a while but I suspect everyone has with their policies.
I learned the trick to avoiding disappointment is to read each policy closely.

[vsheetz]

What is the consequential damage coverage?

[okie143]

Originally Posted by vsheetz

What is the consequential damage coverage?

If a non covered part breaks and causes a covered part to break, insurance will not cover the repair unless you have consequential damage coverage.
Like if the engine overheats and you ride the transmission until you burn it up. The they can say the transmission will not be covered for repair.

[Pusherman]

Originally Posted by kalynzoo

Apparently consequential damage is not being offered by extended warranty companies anymore. The ExtraRide policy I purchased with my new RV lists consequential damage as an option in the literature, but I found it was no longer available at the time of purchase. Wholesale Warranties also quoted a policy that does not include consequential damage. They did say it would cover the things I questioned, and I know from experience that they are good guys, and will go to bat for their clients on a claim. But, I also know from experience that if it is not in writing in the policy....forget about it.
I too have an extended warranty and roadside assistance so I can sleep at night.

Not true. XtraRide still offers Optional Consequential Damage as an option. We are an XtraRide dealer -- that's how I know.

[PanJH]

Look into Coach Net-- they now have extended warranty,wheel/tire coverage,roadside assist, etc.

[mikelm48]

I also have ExtraRide. Their coverage was significantly cheaper than what I was paying GS, with lower deductible and unlimited miles.

[okie143]

I went to the ExtraRide website but cannot find out any details about their coverage, aka what is covered and what isn't.

Does anybody have a link that will show these things?

[BobGed]

Originally Posted by okie143

I went to the ExtraRide website but cannot find out any details about their coverage, aka what is covered and what isn't.

Does anybody have a link that will show these things?

Don't know how current it is, but possibly the attached will help:

[mikelm48]

Bought my ExtraRide through Wholesale Warranties.

[BobGed]

Originally Posted by mikelm48

Bought my ExtraRide through Wholesale Warranties.

Unfortunately as I understand it now, WW can no longer sell XtraRide polices.