Warrenty from Good Sam???

[JAXFL]

The other day I recieved a ad from Good Sam about a Warrenty (insurance) program that would cover the repairs of the different items in the coach (AC, Fridge, Compressors, Heater, etc) and also the Drivetrain of the Ford. They wanted to charge me $1400 for a 2 year program on my 2007 Class C. My questions.... does anyone have this coverage? Is it any good? What are your comments?

[JAXFL]

The other day I recieved a ad from Good Sam about a Warrenty (insurance) program that would cover the repairs of the different items in the coach (AC, Fridge, Compressors, Heater, etc) and also the Drivetrain of the Ford. They wanted to charge me $1400 for a 2 year program on my 2007 Class C. My questions.... does anyone have this coverage? Is it any good? What are your comments?

[Hitchhiker]

I think you'll be better off hanging on to the premiums you'll be paying and earmarking that amount for future maintenance. Usually whatever goes wrong has some sort of exclusion in the fine print disclaimer or someone will screw up on getting a pre-authorization and you'll end up paying anyway.

Some members may argue paying for ESP gives them 'peace of mind' against a large major repair, and if it does that for you it may be a fair value.

[RustyJC]

Better check the fine print. The ESP quotation I got said that all covered items must receive manufacturer-required preventive maintenance from authorized service facilities. How many of us take our RV in every year so that the fridge can be inspected?

I'm with Richard. The odds are always with the house - insurance companies aren't in business to pay out more than they take in. Unless you're willing to pay someone else to carry the risk, bank the premium and draw from the account when service is required.

Rusty

[Corvette Man]

I agree with the above. Bank the premiums you would pay each year and dollars to donuts you will be rich in ten years.

[barrie elliot]

this past june we were having problems with our motorhome when we traveling through niagria falls we thought at time it was somethimg major and having csp from good sams we gave them a call and i don't know how other travelers have faired with csp. but for us they were totally no help the best they could do is tellyou to get somewhere to get looked at then you would have to find out if you would be covered and if someone came out to you to check to see if it needed to go to the garage this would come out of your wallet also they don't have any list of garages or any dealers you could check.the rv campground owner gave me some to call to get it kooked at has it was it was the water soaked air filter on a ford motor we dropped csp and got a refund back after they take a 75.00 admin. fee but it was better then let then keep it all like the poster all ready said put it in a seperate savings

[BRay]

I want dispute any words put forth. However; I have had a Service Contract w/Good Sam for approx. two and half years. Yesterday I had to use it for the first time. There were no questions, hestitation, or fuss. They paid. I just about saved the premium. Also; I have a life long friend who experienced troubles w/his MH and Good Sam paid w/o any fuss.
As all ways the decision remainds with the individual.
Just thought I would give another prepective on the subject.

[Gary RVRoamer]

It's an insurance policy. If you have it and don't need it, it's a waste of money. If you need it and don't have it, it's a crying shame. It all depends on your tolerance for risk.

You've heard the pros and cons - there will be problems that are not covered and others that are covered completely. Some will get their money back and more, while others will pay more in premiums than they ever collect. That's the nature of insurance.

[Meandering Retiree]

We have the ESP plan and had a leaking problem with the cooling hoses for the transmission. The hoses had not been crimped properly and developed a small leak. We took it to a Camping World recommended transmission shop who called ESP after diagnosing it (it was exactly what I told them it would be) and, of course, it was denied. I did not argue but paid for it and all of the new transmission fluid. As was said earlier, it is insurance and with the price of an engine, I figure that the insurance is cheap in comparison to the cost of our coach.

[Chuck 1935]

I have had a Good Sam Warrenty for four years and it is worth every penny. I wouldn't start the engine without that program. I blew a transmission in Terlingua, TX. Got towed to a trans shop in Odessa. Camping World Road Care service covered the tow. Cost $0. The trans was $2,500. My cost was $250 deductable from Good Sam. Easy, courtious, hassle free. The only one I would have.

[LindaH]

We used to have Good Sam's CSP on a previous fifth wheel. When we first signed up, the deductible was $50 and we used it that first year to replace a board in the Dometic refrigerator.

The second year, the premiums just about tripled. When I called to ask why (I don't remember the answer now), I found out that in order to get the premium back down to near what we had been paying, I had to increase the deductible to $500.

So I started looking at what was covered by the policy -- and probably even more importantly, what wasn't covered. As it turned out, unless we had to replace something really expensive, like the refrigerator, most of the mundane repairs that might be needed would have cost less than $500 (the deductible, remember), so we dropped the coverage.

As always, YMMV.

[GraciesMom]

When I was told that I needed a new fuel pump (turned out that I don't), I called and they said it was covered, minus the $250 deductible, no questions asked. Still not sure what's wrong with my RV but whatever it is, I'm pretty sure it's covered. I loved their attitude and the no hassle approach they had. It's worth the $79 a month for the peace of mind. And if it turns out that I need a fuel pump, it'll pay for itself this year.