During the last couple of outings discussions have been held with members of our motorhome group...
FAQs
Are the polices renewable?
Yes, our contracts are fully renewable anytime. In fact, all policy holders are contacted by a representative prior to expiration.
Do I need to pay a deductible for each component repaired?
Unlimited number of claims can be filed. All claims are paid per occurrence, not per item!
How are payments and claims paid and handled?
We pay all claims via corporate credit card directly to the repair facility. The repair facility communicates with us and faxes us the estimate of the repair costs.
How do I know which warranty website is legit?
First: Know who you are dealing with, i.e., agent, dealer, internet dealer, administrator, insurer, or other entity. Most customers are very confused to actually who they are dealing with on the internet. Find out who the actual administrator of the policy is. Every dealer or agent has a number assigned. If they are not willing to share their dealer or agent number, then look no more. If you are provided a number then go further and call to verify that this dealer number is valid. You should always be provided a toll-free number directly to the warranty administrator. Second: After you buy a policy how do you know your money ends up to the proper destination? Simply make a call to the administrator to be sure your policy is enforce. Failure to do this and you may find your policy was never "turned-in", or forwarded. Bottom line....Follow up and check your policy. Or of course you could just go with us where yo uknow your money is safe and always ends up where it is suppose to go.
How do we sell the plans so low?
Selling direct through the administrator with no dealership mark-up provides a substantial savings through the web. No further income earned for the finance office. The ability to avoid "dealer mark-up".
How do you compare to Good Sams Plans?
We understand they sell their coverage in 1 year terms. 1 year - unlimited miles As long as you renew, they will keep the rate the same next year, but, this 1 year term really limits them to exposure on coaches or customers who make big claims or who have claims often. This way they never get stuck with a problematic RV for a multi-year commitment. They choose not to re-new any coaches they deem to be problematic, which is when the customer needs the coverage the most. They sell a one year term, and bill monthly, for instance take a $1700 contract which they will bill $145 per month. In 4 months a customer would have gave them less than $600. If the customer has a $2,000 or $3,000 claim, do they think they are going to get their contract re-newed next year? Our coverage's are less expensive and in many cases more comprehensive in nature, and you can always cancel your policy ANYTIME, which makes it pro-rated. You do the math!! It is all about resale value, isn't it? Wasen't it when you bought the coach to begin with? After all, how much resale value is in a one year term on a service contract?
Is it better to deal with my local dealer when buying a protection policy? Will I have the support from an online purchase?
Yes! In fact, the policy support from our ageny is 24/7 - 365, is your dealer? Unbeatable policy support, assistance, and management. The Plan is a contract in which when presented, repair facilities will honor, regardless of the origin of purchase.
Is the contract transferable if I sell or trade the vehicle?
Yes, not only is it transferable, but it is cancelable at anytime during the policy period. The refund is prorated. However some states have their own laws regarding transfers and refunds. All contracts offer a full 30 day money-back guarantee.
Recent, GREAT Common questions asked of a customer:
I do not see the exhaust brake or air dryer listed as covered items. Are they covered? Jake brakes are not covered as they are considered (Exhaust Parts) -------- Also, what is included in the radiator coverage? I believe the radiator in my coach has 4 sections; engine coolant, transmission fluid cooler, hydraulic oil cooler and air intake cooler(also called a charge air cooler or CAC). Are all of these covered? Yes, radiator is all of the below. CAC included. Most of these are mounted together. -------- Under suspension parts it includes compressor lines and bags and "rubberized suspension components." Does that include air bags(my coach has air suspension). Yes. -------- Under electrical, it states that solenoid(singular) and relays are covered. There are a lot of solenoids and relays in a motorhome. Are they all covered? Yes, all relays and solenoids -------- It also lists wiring harness and manually operated switches. Which wiring harness is this referring to and which switches are covered(again there are many, many of these in my coach)? Yes, all wiring harnesses and manually operated switches. If you started listing each of these components you would have to cut down all the trees on earth. Ha Ha. -------- How about the instrument panel guages and wiring? Yes, on the instrument panel gauges and wiring and manually operated switches -------- Is the air operated step cover included? Yes, on the air operated step. We refer to the step as a electic step but cover the entire system whether it is electric, hydraulic or air operated. -------- What about the windshield and windows? Are the windshield and window seals covered under gaskets and seals? No, coverage for windows or windshield gaskets. They are not mechanical parts. -------- My coach has a 1500W Trace inverter/charger and a transfer switch. Are these covered? Yes, All inverters and converters with or without the charger are covered as long as they were dealer installed. -------- What would be covered in a situatoin where a covered component failed and also caused another component to fail? For example, the trans cooler springs a leak allowing coolant to get into the trans fluid thereby ruining the transmission? Yes, coverage on both trans items. It didn't matter which started the problem and these parts are interrelated. -------- Are components that are damaged by power surges, brownouts or lightning strikes covered? No coverage for lightning, power surges or brown outs. The items are not related to the performance of the part -------- Are there maintenance documentation requirements? I do a lot of my own mainenance. What would I have to do to document that? Maintenance is sometimes required when sludge is found. Keep a log and record and receipts of what you do is all.
Repairs and replacement not due to neglect or abuse, correct? Does covered equipment have to fail completely?
Correct. and yes. This falls under "wear and Tear" which is covered.
ALL Exclusionary Plans have the following listed Exclusions:
Hazardous waste disposal fees and other normal maintenance services and parts which include, but are not limited to: adjustments, Alignments, Wheel Balancing, Tune-ups, Sealing Boots, Spark Plugs, Spark Plug Wires, Glow Plugs, Hoses (except Steering and Air Conditioning), Drive Belts, Brake Pads, and Brake Linings or Shoes, Wiper Blades, Shop Supplies and Hazardous Waste Disposal fee. filters, Lubricants, Coolants, fluids and Refrigerants will be covered only if replacement is required in connection with a covered part and only for the amount specified by the manufacturer. Any of the following parts: Carburetor, Battery, Shock Absorbers, Standard Transmission Clutch Assembly, friction Clutch Disc and Pressure Plate, Throw Out Bearing, Manual and Hydraulic Linkages, Distributor Cap and Rotor, Safety Restraint Systems (including Air Bags), Glass, Lenses, Sealed Beams, Light Bulbs, Brake Rotors and Drums, Exhaust and Emission Systems, Windshield Wiper Arms, Weather Stripping, Trim, Moldings, Furniture, Wall Coverings and Walling, Window Coverings, Cabinetry, Countertops, Upholstery, and floor Coverings (such as carpet, tile, wood, and vinyl), Wood Items, Roofs, Bright Metal, Chrome, Zippers, Cup Holders, Ash Trays, Dash Pads, Squeaks, Rattles, Water Leaks, Wind Noise, Mirrors, Mirror Hinges, Hub Caps, Paint, Outside Ornamentation, Bumpers, Body Sheet Metal and Panels, Tires, Wheels, Rims, Wheel Studs.
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