Maintenance Insurance and Owner Repairs

[jones47172]

Does anyone know of a maintenance insurance plan that allows owners to do their own repairs?

[Grandpere]

Repair insurance is not worthy the money one spends on them. Take the money and put it in the bank. You will have a good size nest egg and will still be able to do all your own repairs, Insurance companies make money hand over fist on maintenance plans because they will find any excuse not to pay.

[H. Miller]

In my "dictionary" maintenance and repair are 2 different things. Never heard of maintenance insurance for an RV...

[Gary RVRoamer]

Whatever you choose to call them, I no longer know of any service/repair plan that allows the owner to DIY. They are say they cannot accept the potential liability if you mess up. I guess the lawyers have been able to construe their permission to DIY an as endorsement of the repairs you did. And even if you don't harm yourself or others, you might still make a poor repair and cause further damage & claims.

Yeah, I know that you do nice work, but how does the insurer know that?

[EDALLSAILS]

Another example of why these policies are questionable. I do most maintence on our motorhome. Most service centers today want $99.00 or more an hour. Plus materials. $15.00 a quart for oil and 50 or 75 bucks for a oil filter. With one of those policies your receipts are Not Proof that you preformed maintenance. Good Sam, Canping World all push the policies as do most dealers. This guarentees THEM the maintenance. We received a year free on a low miles motorhome. Air conditioner went out. And they wouldnt pay because i didnt have Proof of required maintence ( 60 days after purchase & delivery).

[UFO Pilot]

I have never been asked to prove maintenance was done before a claim was approved. I have had over 10 claims in the last 6 1/2 years and never had one denied. I have certainly received my moneys worth. Just my experience.

[Gary RVRoamer]

You may be asked that if you have an engine or transmission failure. Legally it is always permissible to show that you did your own maintenance (must have some records to show it, though), but extended warranty companies can still get away with declining to pay on the grounds that the maintenance was inadequate in some way. They know that most people don't have the resources to fight them on it, whereas a repair shop or dealer can easily muster a defence. It's a case where DIY maintenance is suspect while professional maintenance is given the benefit of the doubt (whether deserved or not).

[jones47172]

@ Gary RVRoamer

Thanks Gary for an on topic reply. When I purchased my coach the salesman said their insurance allowed owner repairs but I never read his contract to verify.

[TQ60]

One should ask detailed questiins on tge front end before signing and have the language highlighted supporting what you need.

Or request documentation to support it.

If you will diy maintenance then make sure the contract allows it.

[JFXG]

jones, I saw a thread on this subject on this forum several months ago wherein someone mentioned one company he found that would allow you to perform your own repairs after they paid for the parts. Can't recall names.

I'm with UFO regarding service contracts. I've had no difficulty with mine through 5 claims, all paid smoothly and I'm now about $1K ahead of my premium, with about 18 months to go. You'll hear all sorts of accounts of unscrupulous operators, but the fact is that you must do your homework. A contract is a contract, whether it's to buy a car, construct a highway, or provide service on a coach. If it's clear on paper, you're good. If you're left saying "What if...", it's trash. If nothing in your life's experience has prepared you to read and understand a legal document, then find someone who can. If you buy a slippery contract from a shady company, you're almost guaranteed a ton of heartache and frustration!

[tncruiser]

I would think if you can do your own maintenance and repair then altho I consider a warranty policy a bad deal and not usually worth the bux you would be taking it to a new level of wasted money "jmo"
brianj