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Old 04-10-2013, 03:25 PM   #1
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Extended service plan

Beware as I have a $500.00 ded. Good Sam policy and the first time I used it They would'nt pay the Cat dealers labor rate and I had to pay the additional labor charge they wold'nt pay. Now i am having a rebuilt air compressor installed and now they wont pay the full price for the part even though it is rebuilt one.
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Old 04-10-2013, 03:28 PM   #2
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Hi and welcome to the forum.

Complaints about what EW companies cover are pretty common on here. You can find a month of reading material if you do a iRV2 search on the topic.

It does really stink that this is so commonplace on a product which could be of great value to many of us.

Best of luck to you.

Rick
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Old 04-10-2013, 05:45 PM   #3
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I am curious how much research you did prior to choosing G.S.-E.W. and why you decided to go with them in the first place?
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Old 04-11-2013, 09:56 AM   #4
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OK, since we're on this subject, I'm going to need a new E.W. in the near future!

In YHO who offer the best E.W.?
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Old 04-11-2013, 10:57 AM   #5
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IMO I haven't a clue who offers the "BEST". I have had two. I can't remember who I bought the first one from but sold about three unused years back when I bought my second policy. I bought the second policy from the dealer I got my rig from with the idea that they should be familiar with how to file claims. That was a five year policy from American Phoenix. I am reasonably satisfied with how that policy worked. At the end of seven years I have definitely broke even. Would I have been ahead if I invested the money instead? Who knows? I did have a couple of major claims that they did pay. All that being said, I doubt I will ever buy another policy.
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Old 04-11-2013, 11:01 AM   #6
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Quote:
who offer the best E.W.?
None of them, in my opinion. They are all chuck full of loopholes - and we probably couldn't afford them if they weren't. The refusal to pay standard fees like parts shipping charges or the prevailing labor rate in an area is a common complaint, as is seemingly arbitrary decisions about lack of maintenance or "wear & tear" as a [non-covered] cause. The Good Sam program seems to get more of those than others, but they are also the single most widely sold policy, so it's not surprising to see more complaints. But they are all somewhat risky in that the procedure for claims approval seems to tighten or loosen at whim and so much of the policy is vaguely worded that you really don't have a leg to stand on if they refuse coverage or arbitrarily limit the payment. You can take what they offer, or you can pay the shop out of your pocket and keep on arguing, but they don't ever have to respond to your complaints. It's basically "take it or leave it".

I've had OK results with the two I've bought - just occasional delays in approvals and niggling over some of the charges, but most everything claim I made got handled. I've forgotten the first policy provider, but the second was RV Shield, which is sold through various dealers and brokers. I've also heard some positive reports on the Cornerstone Extended Warranty, which is sold by dealers (Lazydays is one).

When my EW coverage expired in late 2011 I decided not to purchase another policy.
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Old 04-11-2013, 05:37 PM   #7
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I did a LOT of research and found decent coverages for a 2 year plan running about $2800+\-. Instead of forking over a payment in full, I chose (at least temporarily) to go with Good Sam which is $2400 year with a $500 deductible for full coverage.... Sound crazy, right? Well I signed up last week and only had to give them $200 for the first month. I am leaving on a week long trip to SC tomorrow and there is no waiting period. I can also cancel anytime. Even if they only cover a small part of a major breakdown, I feel I will get my monies' worth... I feel like instead of getting played... I am the player
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Old 04-11-2013, 07:34 PM   #8
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I've had two repairs covered by Good Sam and did not have the problem as described in post 1. Maybe I was lucky but they have paid repairs that will cover a few years of premiums. One was over $7,000 and there were some parts they did not cover but overall I'm pleased.
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Old 04-11-2013, 07:53 PM   #9
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I always wonder why I'd want to buy a product that the dealer wanted me to buy a service policy to cover?
Is the product that poorly made that it's going to fall apart? If so, why am I buying it?
I've been RV'ing since 1957, during that time I've only seen one instance where a policy would have helped and that was in 1958 and they didn't offer them back then.
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Old 04-11-2013, 08:06 PM   #10
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Originally Posted by Mr_D View Post
I always wonder why I'd want to buy a product that the dealer wanted me to buy a service policy to cover?
Is the product that poorly made that it's going to fall apart? If so, why am I buying it?
I've been RV'ing since 1957, during that time I've only seen one instance where a policy would have helped and that was in 1958 and they didn't offer them back then.
Thumb to you Mr_D

I've said this before.....

I am my own warranty provider. And anybody can do it.

I had a 4 year EW on my 1st rig. $4000 cost. $1500 recovered in claims. Well, I did feel good in the beginning of the extended warranty.

I have put about $175 (average) per month into a "fixit" account since 2000 when I bought rig 2. It has gained in interest. It buys tires and such.

My expenses on rig 2 over about 11 years was less than $4000.

Now I have rig 3 and have 3.5 years left on my drive train warranty. I maintain it. The odds of a major drive train failure is very low. But I got it covered!

Self-warranty works, but it takes discipline.

Just sayin......
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Old 04-11-2013, 08:15 PM   #11
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Thumb to you Mr_D

I've said this before.....

I am my own warranty provider. And anybody can do it.

I had a 4 year EW on my 1st rig. $4000 cost. $1500 recovered in claims. Well, I did feel good in the beginning of the extended warranty.

I have put about $175 (average) per month into a "fixit" account since 2000 when I bought rig 2. It has gained in interest. It buys tires and such.

My expenses on rig 2 over about 11 years was less than $4000.

Now I have rig 3 and have 3.5 years left on my drive train warranty. I maintain it. The odds of a major drive train failure is very low. But I got it covered!

Self-warranty works, but it takes discipline.

Just sayin......
We do the same but we're one of the small minority that could write a check for six figures and not have to dig into savings, sell stocks, take money out of our annuities or cash an IRA.
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Old 04-11-2013, 08:17 PM   #12
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Quote:
Originally Posted by CampDaven View Post
Thumb to you Mr_D

I've said this before.....

I am my own warranty provider. And anybody can do it.

I had a 4 year EW on my 1st rig. $4000 cost. $1500 recovered in claims. Well, I did feel good in the beginning of the extended warranty.

I have put about $175 (average) per month into a "fixit" account since 2000 when I bought rig 2. It has gained in interest. It buys tires and such.

My expenses on rig 2 over about 11 years was less than $4000.

Now I have rig 3 and have 3.5 years left on my drive train warranty. I maintain it. The odds of a major drive train failure is very low. But I got it covered!

Self-warranty works, but it takes discipline.

Just sayin......
If you have 3.5 years left on your drive train warranty, you're really not "self insuring"...
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Old 04-11-2013, 08:19 PM   #13
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We do the same but we're one of the small minority that could write a check for six figures and not have to dig into savings, sell stocks, take money out of our annuities or cash an IRA.
Nono!

Separate fund. $175/month. 13 years. (Do the math). Enough for small stuff immediately. Enough for bigger things in a year. Enough for anything quickly.

I never deny myself a claim
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Old 04-11-2013, 08:24 PM   #14
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If you have 3.5 years left on your drive train warranty, you're really not "self insuring"...
I was from 2000 to 2011.
I will always be so. I just dont need to cover the drive train for another 3.5 years. The rest is on me, and I have it. So could everyone!
If you pay yourself first, you dont hafta pay others plus their profit.
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