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Old 07-29-2022, 07:44 PM   #1
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Tell me about extended warranties?

Just got my 2017 Ventana with 27500 miles Looking for extended warranty options as previously I thought them a sub par value. After RVing for a year, I am second guessing that position.
What do you think?
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Old 07-30-2022, 07:22 AM   #2
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The reason so many companies sell them is because they make money off you.
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Old 07-30-2022, 08:02 AM   #3
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i always felt like I would be guaranteeing a loss by purchasing insurance against it.. With my last coach stranding me twice I started second guessing. Though I did survive those incidents intact, I worry something catastrophic could take me out of the game. I guess that is where they make their money. Woorry.
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Old 07-30-2022, 08:23 AM   #4
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Congratulations on your new RV!!

I know RV'ers WITHOUT an extended warranty that have all kinds of non-functioning or faulty equipment, plumbing, electrical, leaks, etc. and do want to get them fixed because of cost so they just deal with the limitations. Then there are the RV'ers WITH an extended warranty.........that offers peace of mine that in the event of a repair it is covered. You can get these for used RV's for long terms usually with $100 deductible (my fifth wheel has a $0 deductible).
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Old 07-30-2022, 08:28 AM   #5
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I have purchased extended warranties on both of the new RV’s I have purchased in the last three years. I have never had to put a major claim in myself. However I was at week long Spartan Academy class. One of my class mates was driving a 2018 I think it was, Integra with 20,000 mile on it. During the inspection Spartan did as part of the class they discovered water in the air system. The story goes when the tech pulled the first tank relief value, he was showered in water. Did the same thing for the second tank, same thing. It turns out the complete system had water and the estimate to replace brake values, manifolds and some lines was about $50K. The owner simply smiled at his wife and said, well that’s why we bought the extended warranty. I talked to him via email a few weeks later and the insurance company was covering most of it. I think the air dryer, was the only thing not covered. Like I said I have never had to go through it, and I don’t know the owner of the Integra well, but he seems like a straight shooter. My point is, it is all about how much risk you are willing to take. I can deal with $10k, I would struggle on wanting to spend $50k. Just my thoughts.
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Old 07-30-2022, 10:30 AM   #6
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I have had 4 Newmar coaches and 4 service contracts. Overall I am ahead of the game by a decent amount. I get them from wholesale warranties, not a dealer. Most of the repairs were done at the mother ship. The problem which has gotten worse over time is getting approval to begin the work. The administrator now, if over a certain amount, has to send an inspector (which is 3 days). You are not at newmar long enough. The assumption is you are at a repair shop that can bring you back when it is approved.
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Old 07-30-2022, 11:08 AM   #7
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My advice -NEVER BUY ONE!

Everyone I have known in my 40 years of RVing has regretted buying them. They are a real hassle to get a claim out of & they are too expensive.

I've had 5 RV's and never bought one. If you feel you need coverage- start your own sinking fund with the $$$$ you would have paid & invest it in a good Blue Chip stock paying a good dividend!


Happy Trails
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Old 07-30-2022, 11:18 AM   #8
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I have had 2 policies and they both paid every claim, not one denial. I am way ahead of the game as are many of the people I know who have a policy. Check out wholesalewarranties.com. If you buy a policy, know the rules for filing a claim and follow them.


I laugh when I see the comments in these threads "they are only in business to make money". If you find a company that is only in business to lose money, let me know.
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Old 07-30-2022, 11:30 AM   #9
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How do they STAY in business?

More Income revenue then Paid out Claims.

Same way Insurnace companies stay in business

Same way Casinos stay in business


Other than 'catastrophes' I'm pretty handy and can do majority of repairs so I don't buy extended warranties (Service Contracts/MFG provides Warranties)
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Old 07-30-2022, 11:33 AM   #10
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It depends on how much risk you want to take. I paid $65,000 for my coach, would have had to pay for an inspection from an independent certified inspector at about $1,000 which was not refundable if they denied giving me a warranty. (or it was so expensive I declined it). I'm lucky. I am 2 hours from the Winnebago Factory and they inspect it every year. So far I have had maybe 2 small items that a warranty would have covered. In year 1 the inverter/charger quit. Winnebago quoted $2200 to replace it with a like kind. (the dimensions that failed is not made anymore) I opted out and replaced it with a Renogy that is about the same as what I had for $400. The other was a leak behind the water heater that cost about $250 for Winnebago to repair. The policy had a $100 deductable and cost about $135 a month. I'd be a loser.

My friends however have a 2005 Newmar Mountain Aire he paid $100,000. He was an electronics engineer and is picky. He paid $1000 for the inspection, is paying $185 a month for the warranty for the last 5 years, and has had multiple claims. Preplaced the aqua hot, some seals on the engine, AC units, and toilet. I can't remember them all. They figure they had about $80,000 in total repairs in the last 5 years. Aside from the inspection, the deductibles, they also had to pay some out of pocket. For example the old aqua hot was not available and they got an upgrade. That cost them $2,000 out of pocket. Same with 3 ac units. Each one cost about $500 for a $1500 unit, as they were upgrades. His big sciore however had nothing to do with the warranty. Newmar replaced all the filon siding due to the crazing that is typical of coaches in that age range. They had to pay $15,000 to paint the new filon. But the coach is better than the new ones.

So we did the math one day. He is ahead but when you add everything into it, probably only by 20%. In the event of a major breakdown, he would win.

I just put money in a savings account every month, fix simple things myself and Winnebago specific things at the factory, and have them inspect it and do the routine maintenance.
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Old 07-30-2022, 11:42 AM   #11
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Tell me about extended warranties?

I also look at it like insurance. For most people, no major problems will occur. For the unfortunate few, something really expensive will happen. Insurance averages the cost of the unfortunate few across the many lucky ones. They charge enough to cover these costs and make a profit.

When I buy a policy, I hope I never have to use it. It’s nice to know that if I do, the costs will be covered. The price I pay is for that peace of mind. If I think the price is too expensive even if I never submit a claim, then I shouldn’t buy it. That is up to each persons discretion.

As far as who to buy from, Wholesale Warranties sells several and stand behind their product. For me, I would only get an exclusionary policy, so everything is covered, except specific exclusions they list.

With all that said, may you have many trouble-free miles and great adventures in your motorhome!
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Old 07-30-2022, 02:05 PM   #12
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Quote:
Originally Posted by ScottnJulie View Post
Just got my 2017 Ventana with 27500 miles Looking for extended warranty options as previously I thought them a sub par value. After RVing for a year, I am second guessing that position.
What do you think?
I look at them as an insurance policy I have had three coaches and claims have nearly paid for the warranty although I most likely would have been better off without. What a person must decide on is how much is he willing to be out of pocket Engine work can be in the thousands and a blown engine maybe 50 grand. Coach repairs are getting higher all the time.
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Old 07-30-2022, 02:46 PM   #13
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I think it depends on what you own or buying. My current coach had a transferable warranty and was the icing on the cake for me to take the plunge. I have had to use it a couple of times.



The previous owner purchased it from a dealer so expect that he paid way too much for it but personally glad he did.


Check some of the policies. If buying used, some offer a yearly policy which might be worth the piece of mind.
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Old 07-30-2022, 10:56 PM   #14
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One has paid off on my last three coaches, no problems and no hassles. I buy a great exclusionary policy from NIRVC and if you use them for the repair they waive the $100 deductible.
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