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Extended Service Plan - What Do You Suggest?
Posted 07 April 2009 - 04:58 PM
Roof, 10 years
Walls, 3 year, or 36000 miles
Floors, 3 years, or 36000 milles
FL Rail Chassis, 2 years, or 24000 miles
Engine, 5 years, or 200,000 miles
Transmission, 5 years, unlimited mileage.
Many of the other typical items for a Motorhome are covered for 1 or 2 years. (Heating, AC, Refrigerator, etc.)
My present two choices are:
Good Sam ESP, and
1st Extended from the dealer.
Any information you would care to share would be greatly appreciated.
Posted 07 April 2009 - 08:40 PM
I'm sour on extended warranty plans. I bought GS ESP when we purchased a used motor home in 2001. They didn't require an inspection of the motor home. When I called about a problem the first words out of the agents mouth were, "You haven't had this policy very long." Things went downhill from there. I talked to the shop doing the repair and they said they wouldn't work with GS ESP because they didn't want to pay for anything. Keep in mind this was a "minor" claim. It wouldn't have amounted to more than $500.
So in late 2003 we bought our brand new 2004 motor home from a dealer at a manufacturers motor home show. This time we bought the extended warranty from the dealer. Within a year the dealer went out of business - bankrupt and then opened again on the same location with a new name. I never had to file a claim, we're now past the 5 years. But if I did have to file a claim I wouldn't have anybody at the dealer to back me up in the claim and with the record of the dealer I'm not sure the money ever was paid to the warranty service company. I'm not sure what assurances I would accept on such a deal.
I consider extended warranties to be a scam where you are pitted against the warranty company. Their objective is to pay as little as possible on a claim, your objective is to get the repair done properly at no cost. They will deny a claim if they can find any reason to do so, e.g. inadequate proof of maintenance performed in a timely manner, etc. Read the contract very carefully. Remember they have a staff of lawyers to write the contract and you have, well, you. If you buy an extended warranty, make sure you have impeccable records. It takes better record keeping than TAXES! Keep receipts, make sure they always show mileage and date for service performed. Make sure that maintenance is performed per manufacturers schedule or in some cases the extended warranty schedule. The second contract had provisions for service (oil change, filter, etc.) that exceeded the Cummins recommendations. There is a big GOTCHA!
Caveat emptor... Let the buyer beware!
Tom and Louise Butler
2004 Monaco Windsor, Cummins 400 ISL
Roadmaster Sterling Tow Bar, Brakemaster, GMC Acadia, BikeE Recumbent Bicycles
After 9 1/2 years full time in our motor home and being Winter Texans we are now living at Sandpipers Resort in Edinburg, Texas. Now we are Summer Chickens!
"The tipi is much better to live in; always clean and warm in winter, cool in summer, easy to move... If the Great Spirit wanted men to live in one place he would have made the world stand still." -- Flying Hawk, South Dakota Oglala Sioux
Posted 08 April 2009 - 05:41 AM
Extended service plans are designed to make money for someone else. Take a look at the "Action Line" type columns in Motorhome or Good Sam's magazine - there are always many complaints about how people have been bitterly disappointed in their ESP.
Winnebago makes good products. You should be fine.
08 Navion 24J
Posted 10 April 2009 - 08:02 PM
Extended warranty plans require you to prove you have complied with the manufacturer's required maintenance. No proof, claim denied. To comply with the required maintenance plan for all our appliances is cost prohibitive. Much of the required maintenance is just for legal CYA. Put the $s you would have spent in the bank. At the end of the term, you'll still have $s in the account.
2005 Newmar KSDP 3910
Cummins ISC 330 HP, 950 FT LBS Torque
Tow With Tow Bar & Dolly (not at the same time)
Coach & Towed Combined Weight Is 37K lbs.
NKK Life Member
GS Life Member
Passport America Life Member
The States Visited Map Is Our Second Time Around
Posted 11 April 2009 - 03:19 PM
2 Fur Buddies Newton and Junior
2006 Bounder 35E
Posted 11 April 2009 - 10:16 PM
I couldn't disagree stronger with the prior posts! I am one who will over turn every rock in order to get a deal. I searched high and low after buying my 06 National Tropical in Phoenix, Az. I was offered warranties that were at an outrageous price, $2000 to $3000. I received quotes from Good Sam and several other companies. All of there prices were high and only for a one year contract so they could then raise your premium the next year if you submitted too many repairs. Well, I found Americanrvwarranties.com and spoke to Scott. He is located in Washington State. After getting a quote from him 5 years or 50,000 miles for $1200 with a $50 premium on a warranty called The Plan I couldn't believe it. I was quoted by a dealer for the exact same coverage with the same company for $2500. I contacted the companys administrator to verify if this company was legit. They confirmed everything was good. I submitted my full payment, and my paperwork was processed quickly. I again called the administrator to make sure that my payment and policy was submitted to them. They confirmed all the paperwork was received by them. I recently had some work completed on my coach and the Plan covered almost all of my problems as promised. They covered $800 worth of work.
Wayne, if you didn't do anything yet, check out this website Americanrvwarranties.com and call Scott. He will quickly get back to you with a quote. Mention my name to Scott!
Posted 12 April 2009 - 09:52 AM
Posted 12 April 2009 - 12:38 PM
Thanks for the inputs. Only time will tell if I made the right choice. I personally hope I never have to use the CSP.
I have CoachNet for roadside assistance. I had them for my last RV and they were good. Again, I hope I never have to use them.
Posted 13 April 2009 - 06:34 AM
Neal the Scottish Terrier
'06 Phaeton '40 QSH
'03 Sport Trac
Internet via Datastorm & Air card
Posted 13 April 2009 - 10:25 AM
If you read my post on "..graphite and Ignitions.." you will see a problem that I may have.
I called, and my extended will cover it. So instead of $375 it will cost me $100.
Just a thousand more to go and I'll catch up.
Posted 02 May 2009 - 09:36 PM
Posted 24 June 2009 - 10:06 PM
Posted 26 June 2009 - 07:30 AM
Posted 09 May 2011 - 01:36 PM
I do have a quote from Wholesale Warranties.net, which seems to be a broker as they work with several plans. They were the best pricing, but am a bit leery as I found them on the internet and don't know anything about them. The company they are recommending is 'A' rated by AM Best according to them but I don't know the company's name. I wonder if this is one of the scams people are talking about???
Dave & Ronnie
2000 American Dream
Posted 23 January 2012 - 12:21 PM
Time will tell but have some friends who have them and say they never had any problem with a claim...BUTCH
Posted 23 January 2012 - 01:42 PM
Posted 23 January 2012 - 07:00 PM
Posted 08 March 2012 - 01:18 PM
Posted 28 March 2012 - 09:24 PM
Posted 29 March 2012 - 08:58 AM
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