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Old 04-03-2010, 07:28 PM   #1
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Extended Warranties

Good Evening to All,

I was looking into extended warranties and would appreciate any help in directing me to one that has a pretty good track record.

07 Bounder 36Z
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Old 04-03-2010, 07:49 PM   #2
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I am very satisfied with my "Interstate Star" Policy so far. I have only used it once on a $1500 repair, I only paid my $100 deductible. Be aware that these type of policies all require approval before repairs are started.
Wayne & Roberta

08 Winnebago Destination 39W Gas UFO Workhorse Chassis......It's really weird being the same age as old people. I thought getting old would take much longer.
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Old 04-03-2010, 08:10 PM   #3
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I have purchased extended warranties of some things & not on others, I am very much up in the air as to what they are really worth. With that said here is something to think about. When I purchased my used class A in 2008 it is a 2004. I seriously looked into the extended warranty threw several companies. I was looking at about $3000-$3500 for the coverage I felt would do what I wanted it to cover. With further research I decided that the average cost of most major repairs other than drive train would cost on an average $2000-$2500 for my motor home. My 4yr old MH only had 7800 miles on it & knowing what we were going to use it for it would most likely not get more than 1000 miles per year. I was not concerned with having a drive train malfunction during the term of the policy. I decided that the cost of the extended warranty would be much better off put into a savings account (escrow) for any repairs that the RV may need. The EW was going to cost me approx $100 month for 3 years. So I put $100 a month in a separate savings account I set up just for our RV. If I have a malfunction in the first 3 years of ownership then I have money in the bank to pay for a portion of the repairs & I will borrow the rest from my other accounts or from my bank. If I do not have a malfunction, I have put money away for a major expense such as tires or upgrades.
So far I have had 2 small malfunctions, a hot water tank thermostat & some rotted wood in the basement area. My wife repaired the hot water heater & I repaired the rotted piece of wood. Total cost of both repairs $50. Neither one would have made my deductible on the EW, & if we had used the EW we would have had to call a technician & cost us our deductible on both items. $100 each.
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Old 04-03-2010, 09:51 PM   #4
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Extended warranty/service insurance is a personal risk question. The major things to research;

1. Only consider and exclusionary policy (tells you whats excluded) not an inclusionary policy (tells you what's included). It is counter intuitive that the exclusionary policy is preferable but in almost all cases, it covers more with fewer claims problems (those that try to sell you the inclusionary will tell you they are better, they are lying).
2. Make sure the policy is insured in case the seller goes out of business.
3. Make sure you get a policy whose deductible is per service call, not per repair. This can save you money over the life of the contract.
4. Prices and options vary widely and are negotiable. They are based on make, model, year, mileage and MH purchase price.

I have a 2005 Safari Cheetah with 7,100 miles. I purchased an Xtra-Ride (with all options except tires and wheels) policy that covers everything except the batteries, tires, wheels, coach body and light bulbs. It covers the engine, transmission, radiator, charge air cooler, chassis, electrical, mechanical, slides, jacks, all appliances, AC, furnace, water system, sewer system, inverter, etc. I paid $3,400.00 for 48,000 miles and 5 years and it included the surcharge for a diesel engine and $100 deductible per service visit, towing, etc.

I made my decision to buy a contract based on three factors; risk avoidance, horror stories here and on other blogs about big buck repairs $5K-15K and resale. If you have a contract in affect that is transferable when you sell, you get every penny back in resale value that you paid. If I average repairs of more than $700/year, I'm ahead and in the meantime, I sleep better at night.

You have to remember, it is not unusual to have a single repair in the $5K range during a five year period on a DP. It's not the little ones I was concerned with, that's part of owning a MH, it's that ONE BIG ONE!
2005 Safari Cheetah 38PDQ - 2009 Ford Flex
Me (Gatogonow), The Boss (DW), Honey Bunny, Maggie May and Mollie Kay (The Gatos)!
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Old 04-03-2010, 11:08 PM   #5
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I purchased peace of mind that my repairs will be covered. I know there are rules that have to be followed in order for claims to be covered. I, like many others, am worried about an engine or transmission failure after the factory warranty ends. I have been reading about engine failures that have cost 18,000 to 20,000.
Wayne & Roberta

08 Winnebago Destination 39W Gas UFO Workhorse Chassis......It's really weird being the same age as old people. I thought getting old would take much longer.
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Old 04-04-2010, 07:20 AM   #6
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I have Good Sam CSP (continued service plan).

I had a new A/C compressor (engine driven) installed late last year because the clutch bearing was howling. The service guy couldn't remove the clutch (it was frozen on) so a new compressor unit cost almost $800. Good Sam denied the claim because the cost of the bearing replacement was under my $250 deductible.

The service guy said he would have have almost destroyed the old compressor getting it apart.
Max H,
2002 Newmar Mountain Aire, 37', 3778, W-22, 8.1 Vortac, Ultra Power upgrade, CAI (cold air intake), Taylor wires, colder plugs, Koni shocks.
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Old 04-04-2010, 05:26 PM   #7
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We also have X-ride, the one that covers almost everything. We have had a couple of problems and they paid for everything, even the slide seals, which we have heard almost no on covers. We have been real pleased and are glad we got it. It gives us a little extra peace of mind when traveling.
Jim and Shirley McGehee
2004 Beaver Monterey Laguna
2013 Honda Fit Toad, 2003 Jeep Liberty Toad
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Old 04-16-2010, 12:28 PM   #8
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Also get a quote from RV I've purchased warranty policies from them on my last two RV's, underwritten by USA TravelCare. The price was right and I have had good success with TravelCare's claims process.

2005 Fleetwood Providence 39J
CAT C7 350, MP-8 Power Module

My wife does all the driving - I just hold the wheel...
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Old 06-22-2010, 01:18 PM   #9
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Find out who the insurance co behind the warranty is and who the administrator is. The insurance co should have a good rating and the administrator (who's filing and following the claims.I was the national marketing and sales director for a very large insurance (warranty) co,
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Old 06-22-2010, 03:02 PM   #10
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I know it a chance I take but I do not use extended warranties. The dealer where we bought our fifth wheel in January gets $150 a hour for labor. I would hate to pay them that much for work, especially the warranty work they did on ours after we got it. I got a guy that works on my RV for less than half that and his work is very good. I try to keep my rig well maintained and hope to avoid anything major. If these extended warranty companies could not make money they would not be in business.
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Old 07-08-2010, 09:34 PM   #11
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I have been trying to get some information on x ride you mentioned. I called the company and they said I had to buy it from a dealer. I called 3 dealers that were supposed to get the information and get back to me. No response from all 3 and they all said they sell it Hmmm? It sounds like you have had better luck when you had a claim. Do you have a name and telephone number you might send me of the dealer that sold you your policy? I would like to get some more information on the policy if possible. Thanks
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Old 07-14-2010, 12:11 PM   #12
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Originally Posted by laurie.827 View Post
My husband and I have also been thinking about getting an extended warranty for our motor home. I think I'll check out a few of these sites and get some quotes, see if it fits into our budget. The peace of mind would certainly be nice, and it seems like a few of you have had pretty good experiences.
You usually don't hear about the people who pay the huge premium and NEVER make a claim though. You can make a lot of repairs for what they want to charge you for an extended warranty. The biggest problem I have with them is all the stuff that is not covered and the hoops you have to jump through to get the repair covered. If you make one mistake in the fine print of making the claim, they say "SORRY"....
Ed J - Summer->Vestal, NY Winter->Melbourne, FL
1999 Dodge 2500 diesel, 6-spd manual
2007 HitchHiker Discover America 329RSB
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Old 07-14-2010, 12:46 PM   #13
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Also check out Route 66, exclusionary policy and don't require maintenance records.
Classic Coverage Service Contracts
KC9NPT (Merrill)
2000 Itasca Suncruiser 35U
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Old 07-14-2010, 11:26 PM   #14
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Yes the warranties are expensive, and yes you have to follow the rules of the contract. What coverage do you want/afford, what is the deductable? Most of these mechanical breakdown contracts have different levels of coverage,and different costs. Do not read the brochures for coverage, ask the salesperson to see an actual contract of the coverage level you desire. Ask who the administrator is (the people who will handle your claims) and who is the underwriter (insurance company and their rating). It is up to you to understand what is covered and what is not, what you have to do to keep your contract valid, ie; maintenance, servicing the vehicle. Ask how to file a claim, most of these companies require a call from you and or the repair facility for repair authorization PRIOR TO THE START OF THE REPAIR to determine if the failed part(s) are covered, the cost of the parts and labor. Please take the time to understand what you are buying ask questions. Most of these companies are reputable and have a benificial product for your pocketbook should you have the misfortune to have a breakdown.

I was the National Marketing and Sales Director for a large Insurance company envolved with this product..Retired
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