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Old 11-05-2016, 02:14 PM   #1
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After market Warranty Programs

We have a 2015 Itasca which we bought used in good condition with 12k miles on it. I've been advised by more than one person to investigate companies which supply after market warranties. What's the common thought? If you recommend them, any particular companies to explore or particularly any one to stay away from? I unstand that they can be thousands of dollars but with some of the repair bills I've seen here, it seems lke it may not be a bad idea. Thanks for any input.
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Old 11-05-2016, 02:18 PM   #2
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Well, for one thing there are no aftermarket "warranties", they are repair contracts or service policies unless bought from the original vehicle manufacturer. That's why you have to read them very carefully and comply with the contract provisions.
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Old 11-05-2016, 02:21 PM   #3
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Put the money in a savings account. Save it for when there is a failure. They are a huge profit center for the seller with little for the buyer. In simpler terms thry are a rip off!
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Old 11-05-2016, 05:43 PM   #4
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We have a 2013 Itasca....we bought Good Sam extended service for 7 year...paid high $$$ for it at the time of purchase. We have had many repairs during the last almost 4 years, and used them for reimbursement. While we have not recovered the money we paid upfront. They have been very nice reimbursing the repair costs minus our $100 deductible.
It is a good peace of mind. Insurance program. Agree that it is a good idea to read the contract to ensure it covers what you are looking to cover.
Things WILL go wrong....

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Old 11-05-2016, 05:59 PM   #5
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I wrote an article sometime ago about my experience with extended warranties or service contracts. You might read it. I think you will find it most informative.Below is the link.
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Old 11-05-2016, 06:07 PM   #6
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We should have just $1000 a year in the repair savings. Our coach is now 7 years old. We just had 3 ac's replaced for about $3300 and used our Wholesale Warranties warranty. However we had the first 4 years with GS and never used that $3,000. Now on year 3 of WW that we paid $4400 for. Unless we have a big big repair we won't ever get our money out of it. It's that big big repair that scares me so we will keep it. I can't afford $32000 or so for a new engine
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Old 11-06-2016, 02:09 AM   #7
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Thanks for all of the replies. Certainly seems like a damned if you do, damned if you don't situation. So I've learned that GS offers a policy, and WW offers a policy, are there any others which are worth a hoot? Out of these two, is there one preferred over the other? I realize this will be strictly personal opinion - but that's what I'm collecting right now. Thanks so much
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Old 11-06-2016, 05:56 AM   #8
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I have never purchased an extended warranty/service contract before, until I had all kinds of problems with our new Newmar during it's first year. Just before the factory warranty was to expire, I bought a contract through CoachNet that covers everything. It was under $4k for 7 years. So far, I've had the 3 roof AC units replaced, the dash air repaired a couple times, a new washing machine, a new stereo/navigation system and a few other things. I'm 3 years into the contract and it's more than paid for itself.
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Old 11-06-2016, 07:51 AM   #9
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Service Plans

I am in the same boat as you… decision… decision… What I did was checked out GS and had a copy of their policy emailed to me by their call center representative and then the same with WW. I then sent a copy of the contract by one to the other and asked them to give me their take on why theirs is better than the others. Wow this worked as each one gave their opinion I learnt more than I ever would in any forum. I am not leaning toward the WW plan as they have both Consequential Loss Coverage (which GS does not) and WW plan I am looking at is an “Exclusionary Policy” which seems to be very comprehensive, as basically unless it is listed in the few things not covered it is automatically covered by default. I have the definitions of both below:

Consequential Loss Coverage - We will provide Coverage for the repair of a Covered Part if the failure of the Covered Part was caused by the action or inaction of a non-covered part.

This exclusionary policy will cover every component on your Motorhome except for what is listed in the "What Is Not Covered" section of the contract. The following are examples of items that would be covered under this warranty, but keep in mind that unless an item is listed under the exclusions, it will be covered.

The representative I used at WW was Stephen Motz and he was a great help:
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Old 11-06-2016, 01:36 PM   #10
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Take the money you would spend on a warranty policy and start your own warranty account for the unseen possible large expenditure. Do good maintenance and you may not need the emergency fund. They are all weighted in favor of the seller and selling dealer and don't cover all they lead you to believe they do. Many of them are very unscrupulous.
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Old 11-06-2016, 03:24 PM   #11
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Over 10 years, you will spend well over $10k to buy a repair warranty.

Remember, a warranty company is in business to make a profit. After sales commissions, overhead, administration and profit, my guess is these outfits spend about 30-40% of what you buy the warranty for as actual reimbursements for repairs.

So what that means is that for every winner (getting more back in paid benefits than what you paid) there are many losers who get back a lot less than what they paid to buy the policies. I wouldn't pay a lot of attention to those who "brag" about making out so well. What you don't hear is the many, many, many more who get little to no benefit or have huge problems with these warranty repair companies denying claims or denying big claims. Which they WILL do if you do not do things to a T as outlined in the written warranty policy.

Remember also for new or almost new rigs, that the manufacturers warranties on the engine/tranny/driveline is 3-5 years and most everything else of any consequence is 2-3 years. So your actual exposure in those years is a lot less.

I would "fund" a repair account for $10k, add $1k every year to it. The benefits to doing this are a lot: No denied claims. If you don't use it or use it a lot, you keep the balance.

The other thing is this. In my opinion, if you can't afford to self insure rv repairs, you probably should not be buying one. I know that sounds crass, but when you consider that many of the people who are buying rvs are retired or near retired, that unless you are going to rv full time, this is sound advise.
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Old 11-06-2016, 04:33 PM   #12
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It's an insurance policy, not an investment program, so you should not expect to "get your money out of it". Just the opposite, in fact, since you are paying for the insurer's marketing expense, overhead and profit as well as for any repairs.

Insurance is what you buy and hope you never need. If you aren't comfortable just putting aside money for future repairs, I suggest you buy a high deductible plan to help cover those rare high dollar repairs. Maybe even a chassis-only plan, since few other repairs are likely to be in the multi-thousand dollar range.
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Old 11-06-2016, 04:48 PM   #13
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I purchased mine from Coachnet. RV Protect. It was the best coverage for the least amount of money for a 5 year period. Check out their extended service agreements if you are still looking. It also included their roadside assistance program which adds a great value. Saves you money over the GS plans
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Old 11-07-2016, 01:35 AM   #14
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Thanks to everyone - all valid information. I've learned the names of a couple of insurance companies I didn't know existed and will give consideration to self-funding as suggested. I will also check with my local dealer and see what the service manager has to say about the policies in general and then, the different companies. After that, it's decision time. Thanks again.
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