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03-24-2014, 07:17 PM
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#1
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Junior Member
Join Date: Aug 2013
Posts: 8
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Good Sam ESP is a Ripoff
Just got off the phone with these guys. WE had a policy for about 10 months paying $245 per month. In month 5 we had a hydraulic hose failure and a busted cab AC. They authorized the repair for the hose failure after much back and forth between them and the dealer. They then insisted an inspector look at the AC. HE showed up and informed them they would need to disassemble the AC in his presence and to reschedule an inspection. That was in August and by November they still hadn't returned despite numerous calls. Then in January I got a letter from them stating they were cancelling me as my costs had exceeded my premiums (literally by a couple dollars).
We fought with them and so did the dealer. They have now refused to cover the original authorized charges. I wound up eating the entire $3782 bill PLUS their premiums. These guys are a ripoff. Next stop BBB and the Texas Insurance Commission. I want my premiums back and think I have a good case to get them though I will probably have to sue them to get it. Fine. I'd sooner spend another $2500 on legal fees than to let them get away with this. Buyer beware!
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03-24-2014, 07:26 PM
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#2
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Senior Member
Workhorse Chassis Owner
Join Date: Mar 2008
Location: Gainesville FL
Posts: 358
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Insurance or just installment repair payments??
Quote:
Originally Posted by Patriot04
Then in January I got a letter from them stating they were cancelling me as my costs had exceeded my premiums (literally by a couple dollars).
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If they only cover up to the amount of the premiums paid what is the point in having a policy at all? That is crazy.  That would just amount to paying for your repairs on the installment plan, but if you don't have any claims then they win and I'm pretty certain that if your premiums are more than your claims they sure don't send any money back to you. 
__________________
Deputydog
2005 34' Allegro Bay W22/8.1L
Tiffin Coach Owner's Forum Member
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03-24-2014, 07:29 PM
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#3
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Community Administrator
Fleetwood Owners Club Workhorse Chassis Owner
Join Date: Sep 2010
Location: Marquette, Michigan "Da UP" & Lehigh Acres Florida
Posts: 21,827
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Was that whole amount for a roof AC repair?
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John & Cathy R.
06 Pace Arrow 38L Workhorse W24
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03-24-2014, 07:31 PM
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#4
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Registered User
Join Date: Aug 2012
Location: The Land Of Oz RVM17
Posts: 1,592
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We never buy a ESP for anything from anybody. We keep our money for these kinds of expenses. And we have yet to have a claim denied! 
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03-24-2014, 07:37 PM
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#5
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Senior Member
Fleetwood Owners Club
Join Date: Jan 2013
Location: Milton, NY
Posts: 923
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You hear horror stories like this one and then you hear about people that swear by their ESP... For $245/month, they should be kissing your butt!
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Steve & Beth - Milton, New York
2009 Monaco Diplomat 41 SKQ
2016 Ram 1500 Quad Cab 4x4
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03-24-2014, 09:29 PM
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#6
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Senior Member
Join Date: Aug 2001
Location: North America somewhere
Posts: 30,903
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OTOH, We purchased the Good Sam extended service contract when we purchased our MH. The ESC cost $4,800 for 3 years for our 2000 Winnebago from Camping World. To date the ESC has paid just over $4,000 for repairs covered by the ESC during the first year. Are we happy with GS ESC, you bet!
__________________
2000 Winnebago Ultimate Freedom USQ40JD , ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG 11B5MX,Infantry retired;Good Sam Life member,FMCA. " My fellow Americans, ask not what your country can do for you, ask what you can do for your country. John F. Kennedy
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03-25-2014, 05:50 AM
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#7
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Junior Member
Join Date: Aug 2013
Posts: 8
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It was the CAB AC. The whole repair cost was $2495 but it was heavily discounted due to the situation with GS ESP.
I should mention this was for a 2006 Revolution in immaculate condition.
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03-25-2014, 05:52 AM
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#8
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Junior Member
Join Date: Aug 2013
Posts: 8
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Good for you. We would have hoped that would be the case here but unfortunately they take a dim view of claims in the first year.
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03-25-2014, 05:56 AM
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#9
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Junior Member
Join Date: Aug 2013
Posts: 8
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Yes thats the rub. I got cancelled for exceeding the premiums but then they refused to pay the original authorized charges. The result? They pocketed $2450 for doing nothing.
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03-25-2014, 06:33 AM
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#10
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Senior Member
Winnebago Owners Club Freightliner Owners Club
Join Date: Mar 2007
Location: Home on the hill in Georgia
Posts: 2,742
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Why don't you post this over on their forum RV
They monitor that forum
__________________
Jerry Potter, Taz
1999 Coachman Catalina Sport
[SIGPIC][/SIGPIC]
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03-25-2014, 06:51 AM
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#11
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Senior Member
Join Date: Apr 2004
Posts: 3,796
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As they say, there are always two sides to a story, but this doesn't sound too good and I'm waiting to hear how this issue turns out. Was there something buried deep in the fine print that allowed this?. The OP's story really gives me pause about the entire "Affinity Group". That is, Good Sam, Camping World, Motorhome magazine, and all of the other various businesses.
A last thought: send a description of the issue to Motorhome magazine's, "Hot Line" and see if they print it - along with a resolution.
Quote:
Originally Posted by Patriot04
Yes thats the rub. I got cancelled for exceeding the premiums but then they refused to pay the original authorized charges. The result? They pocketed $2450 for doing nothing.
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__________________
George Schweikle Lexington, KY
2005 Safari (Monaco)Trek 28RB2, Workhorse W20, 8.1, Allison 1000 5 spd, UltraPower engine & tranny, Track bars & sway bars, KONI FSD, FMCA 190830, Safari Int'l. chapter. 1999 Safari Trek 2830, 1995 Safari Trek 2430, 1983 Winnebago Chieftain, 1976 Midas Mini
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03-25-2014, 07:24 AM
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#12
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Senior Member
Join Date: Jul 2010
Location: Conway, SC
Posts: 2,557
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I also had a problem with GS. And when they refused my claim I immediately cancelled my policy. Then they started calling to see what my problem was. Everyone who called didn't even know what had happened, so I would tell them to do a little research to find why I did what I did and call back. After 6mos. the calls stopped, which was fine with me. I always vote with my feet, and whenever asked about my opinion of GS, I say there are plenty other ESP plans out there that run circles around GS.
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03-25-2014, 07:44 AM
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#13
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Senior Member
Thor Owners Club
Join Date: Jun 2011
Posts: 2,893
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Quote:
Originally Posted by Ramets
I also had a problem with GS. And when they refused my claim I immediately cancelled my policy. Then they started calling to see what my problem was. Everyone who called didn't even know what had happened, so I would tell them to do a little research to find why I did what I did and call back. After 6mos. the calls stopped, which was fine with me. I always vote with my feet, and whenever asked about my opinion of GS, I say there are plenty other ESP plans out there that run circles around GS.
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Which ones are better? And what makes them better?
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03-25-2014, 01:50 PM
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#14
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Senior Member
Join Date: Aug 2001
Location: North America somewhere
Posts: 30,903
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Patriot4, who performed the repairs? I take my MH to Camping World, the ESC never argues with them, and, they knock $50 off my $100 deductible.
__________________
2000 Winnebago Ultimate Freedom USQ40JD , ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG 11B5MX,Infantry retired;Good Sam Life member,FMCA. " My fellow Americans, ask not what your country can do for you, ask what you can do for your country. John F. Kennedy
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