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11-27-2022, 12:10 PM
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#1
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Senior Member
Join Date: Aug 2014
Posts: 753
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Extended Warranty Payment
I know all extended warranties are different, so I'm looking for people who've had a claim and your experience with payments.
I need a new radiator and a couple other smaller things. Took the coach to NIRVC and they submitted my claim to the extended warranty company (that company is not affiliated with NIRVC). The warranty company approved my claim but NIRVC said they will only pay $8k of the $11k bill and I'll be responsible for the other $3k. I mentioned that the warranty company is responsible for the entire bill and my service Rep said "they never pay 100%“.
Reading through my paperwork, I don't see where I'm supposed to pay part of the cost except for a small deductible. Have others had to pay nearly 1/4 of a claim? Is this really typical?
__________________
Mike and Barb
2017 Insignia W
2014 Chevy Equinox
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11-27-2022, 12:18 PM
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#2
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Senior Member
Join Date: Dec 2021
Location: Benicia, CA
Posts: 1,069
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Does not sound right........I had one claim on my extended warranty and they paid the rv repair shop directly after the repair was complete less my deductibl, same an auto, boat and house insurance company claim.
__________________
2020 Montana 3780RL fifth wheel (41 ft) / 2016 F-350 6.7L diesel crew cab long bed 4x2 DRW
2022 Thor Palazzo 33.6 diesel pusher / 2021 Chevy Equinox LT AWD toad
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11-27-2022, 12:28 PM
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#3
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Member
Official iRV2 Sponsor
Join Date: Feb 2022
Posts: 49
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Quote:
Originally Posted by GeezerViz
I know all extended warranties are different, so I'm looking for people who've had a claim and your experience with payments.
I need a new radiator and a couple other smaller things. Took the coach to NIRVC and they submitted my claim to the extended warranty company (that company is not affiliated with NIRVC). The warranty company approved my claim but NIRVC said they will only pay $8k of the $11k bill and I'll be responsible for the other $3k. I mentioned that the warranty company is responsible for the entire bill and my service Rep said "they never pay 100%“.
Reading through my paperwork, I don't see where I'm supposed to pay part of the cost except for a small deductible. Have others had to pay nearly 1/4 of a claim? Is this really typical?
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Hello! I am the Director of Warranty for NIRVC. Please feel free to PM me, I would love to hear more about this and understand if there is something I can do to help out!
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11-27-2022, 10:31 PM
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#4
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Senior Member
Join Date: Aug 2014
Posts: 753
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Quote:
Originally Posted by Mark Moniuszko
Hello! I am the Director of Warranty for NIRVC. Please feel free to PM me, I would love to hear more about this and understand if there is something I can do to help out!
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Thanks for the offer. I sent you a message.
__________________
Mike and Barb
2017 Insignia W
2014 Chevy Equinox
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11-28-2022, 07:35 AM
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#5
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 29,365
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Did the warranty company list any of the items not covered as "normal wear and tear"?
__________________
Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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11-30-2022, 10:51 AM
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#6
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Senior Member
Join Date: Aug 2014
Posts: 753
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Quote:
Originally Posted by brobox
Did the warranty company list any of the items not covered as "normal wear and tear"?
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Not sure. I haven't seen anything yet that tells me what they did/didn't cover. My plan shows the radiator should be covered in full, minus the cost of replacing the fluid. The other items being fixed are:
Main Awning won't fully retract;
Rear toilet won't flush when the bathroom is hot (like after a day of driving);
Rear camera has a lot of interference when engine is running.
My plan, from what I can read, is silent on those items. Although I do see a note that audio/visual should be covered.
I guess I need to see the paperwork on what's not being covered.
__________________
Mike and Barb
2017 Insignia W
2014 Chevy Equinox
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11-30-2022, 01:21 PM
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#7
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Senior Member
Entegra Owners Club
Join Date: Apr 2012
Location: Green Valley, AZ
Posts: 1,718
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My experience with Camper's Edge (bought from NIRVC) has been mostly good. Their deductible is waved if NIRVC does the work, and they handled all the claims. I am well ahead money-wise, and it runs 'til early '24.
__________________
Stew and Diane (and Marco)
2018 Entegra Cornerstone 45X
Formerly: 2015 Entegra Cornerstone 45B, 2013 Entegra Aspire DEQ IFS, 2004 DSDP; all sold
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12-01-2022, 10:15 AM
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#8
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Senior Member
Join Date: Jul 2012
Location: Westborough, Ma
Posts: 1,440
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Quote:
Originally Posted by GeezerViz
Not sure. I haven't seen anything yet that tells me what they did/didn't cover. My plan shows the radiator should be covered in full, minus the cost of replacing the fluid. The other items being fixed are:
Main Awning won't fully retract;
Rear toilet won't flush when the bathroom is hot (like after a day of driving);
Rear camera has a lot of interference when engine is running.
My plan, from what I can read, is silent on those items. Although I do see a note that audio/visual should be covered.
I guess I need to see the paperwork on what's not being covered.
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Our EW Plan is exclusionary and our experience has been that once submitted by the Repair Facility an Adjuster has always contacted us to let us know exactly what is covered or not i.e.: shop supplies not , fluids not , parts covered & amount of Labor etc. Then when the Repair Facility lets us know we can compare and insure the outcome Cost .
I'd suggest you contact your EW Plan and ask for the Adjuster to give you an explanation !
__________________
Sue & Brian Ashworth & Rizzy( adopted Boxer)
2016 Anthem 44A, 2018 GMC Canyon Denali,
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12-06-2022, 10:18 PM
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#9
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Senior Member
Join Date: Nov 2012
Location: Jacksonville, FL
Posts: 544
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This is one of 100 reasons to self insure - save up those premium dollars and they are good anywhere when the need arises - no loopholes. Insurance companies make a lot of money betting that your RV will NOT break down - why not make the same bet?
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12-07-2022, 04:37 AM
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#10
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 29,365
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Mike,
Any word on what the EW company was not covering on your bill?
__________________
Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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12-07-2022, 06:25 AM
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#11
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Senior Member
Join Date: Oct 2009
Location: Loudon Tn
Posts: 1,119
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Warrantee
I had same experience at same service center in
Lewisville Tx. Never had it before in last ten years with same extended warranty company. Shop said warranty would pay only "part" of the cost of the part? Extendeed warranty allowed a labor time to do repairs. Shop charged almost twice what was allowed?? Again, never had this happen before with same extended warrantee company!
Not a good looking pattern starting here.
safe travels all
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12-07-2022, 10:45 AM
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#12
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Senior Member
Join Date: Sep 2015
Posts: 1,000
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Quote:
Originally Posted by FLYING BUTCH
I had same experience at same service center in
Lewisville Tx. Never had it before in last ten years with same extended warranty company. Shop said warranty would pay only "part" of the cost of the part? Extendeed warranty allowed a labor time to do repairs. Shop charged almost twice what was allowed?? Again, never had this happen before with same extended warrantee company!
Not a good looking pattern starting here.
safe travels all
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based on OP quote that maybe the issue.
11k looks like they are quoting 30 hours labor @ $200 hr assuming a $5k radiator
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12-07-2022, 11:08 AM
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#13
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Senior Member
Entegra Owners Club
Join Date: Aug 2021
Posts: 441
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The entire job looks inflated. A radiator at cost is something around $1k for parts.
Labor is not terribly difficult or time consuming on a side radiator job. Rear radiator - yes. Side - no.
Seems everyone is taking an extra cut regardless of the warranty.
__________________
2016 Entegra Aspire 42RBQ
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12-08-2022, 03:18 PM
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#14
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Senior Member
Join Date: Oct 2009
Location: Loudon Tn
Posts: 1,119
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Warrantee
Couldn't agree more on everyone taking a BIGGER CUT?? Had same extended warranty company for ten years. They have always covered all my repairs except deductible. Now service centers are charging more per hour for labor, using more labor hours than warrantee company allows, charging more for parts than allowed, don't repair just replace with new! WHF!!
Service centers have really gone done compared to a few years back. My two cents.
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