Good Sam Extended Service Plan Reviewed
The Good Sam Extended Service Plan is a comprehensive and customizable protection solution for your RV or auto. Designed to mitigate unexpected breakdown-related expenses, this plan has been critically acclaimed for its affordability, extensive coverage, and top-notch customer service.
- Good Sam ESP: RV protection with peace of mind.
- The mechanical breakdown plan covers a wide range of issues.
- Protects against costly repairs like engine or transmission.
- Covers new and used motorhomes, trailers, and automobiles.
- Offers coverage in both the US and Canada.
- A transferable plan enhances vehicle resale value.
- There is no upfront payment for covered repairs, just deductible.
- Exclusions: routine maintenance, cosmetic damage, wear and tear.
Did you stumble across this while looking for RV insurance? Not sure if you should get this insurance plan?
Well, you’re in luck! In this post, I’ll review the Good Sam Extended Service Plan in detail.
Knowing that regular automobile insurance won’t cut it is essential if you’re new to the RV life. It would be best to have special policies catering to your camping needs.
In addition, RV insurance is unique- it varies depending on user needs and RV specifications. Therefore, research before signing with an insurance company is essential.
Below are details regarding the Good Sam Extended Service Plan, from what the plan covers to estimated costs.
Is it worth getting the Good Sam Extended Service Plan? Well, keep reading, and you’ll find your answer!
What Exactly Is the Good Sam Extended Service Plan?
The Good Sam Extended Service Plan goes beyond your average RV warranty. It’s an insurance policy offering several services, including mechanical breakdown coverage.
Whether you want to insure a new or old RV, the Good Sam Extended Service Plan is designed to lower the costs of repairs and mechanical failures. Moreover, the policy is quite simple to understand.
Regarding basic coverage, Good Sam goes the extra mile by providing more services than your average RV insurance provider. These services include the following:
- Personal and Property Damage Liability
- Bodily Injury Liability
- Personal Injury Protection
- Uninsured and Underinsured Motorist Protection
If you look at the RV-specific policies that Good Sam offers, you’ll understand precisely why it’s one of the best RV insurance companies in the country.
Here are some things that the Good Sam RV insurance plan covers:
- Storage options
- Full replacement cost coverage
- Emergency medical and travel assistance
- Personal effects coverage
- Emergency expense coverage
- Service coverage in the US and Canada
While there are a few things the company doesn’t cover, such as injury insurance for your pet, it still offers one of the best RV insurance plans.
While looking for RV insurance, it can be frustrating to discover a good insurance plan that offers insurance for your RV type.
However, you don’t have to worry about this problem with Good Sam. Good Sam’s insurance plans cover various RVs compared to most RV insurance companies.
Here are some of the types of RVs it covers:
- Class A, B, and C motorhomes
- Conventional and Fifth-wheel trailers
- Truck campers
- Pop-up trailers
- Travel trailers
- Toy haulers
- Bus conversions
How Much Does the Good Sam Extended Service Plan Cost?
As mentioned earlier, insurance policies are unique, depending on the RV and the owner’s requirements. You can get a quotation by either calling the company or checking online.
Usually, you’ll be asked questions regarding your vehicle and the type of coverage you require. Depending on your response, you’ll get a quotation. Once you’ve locked in on the plan, the price remains unchanged for three years.
As with most insurance policies, you’ll incur deductibles with this plan. Fortunately, this deductible applies to each occurrence and not to each repair.
For instance, if your RV brakes and shocks need a repair/replacement, you’ll pay a deductible once for the overall occurrence and not for each repair. The cost of the deductible can vary depending on your RV type.
On the plus side, the deductible remains low if you don’t file your insurance claim. If you continue without filing a claim, Good Sam offers a reduction on your yearly deductible.
It also allows you to choose the deductible, the payment plan, and the way you pay. Moreover, you can cancel the plan whenever you want, but more on that later.
What Are the Benefits of Getting this Plan?
Now that you know a little about the insurance plan, let’s look at some of the benefits of getting this plan.
People often worry about scams and negligence when looking for RV insurance plans. However, with the Good Sam Extended Service Plan, you have nothing to worry about.
Not only is this plan underwritten by QBE Insurance, but it is also bound to comply with all insurance rules and regulations. In addition, QBE has received an A+ rating from A.M Best and an A rating from Standard & Poor.
However, I advise looking at different policies, as some warranties cover a specific number of miles annually.
Note: Due to particular state laws, Good Sam only provides a Vehicle Service Contract if you reside in New York or Indiana.
Emergency Expense Coverage
It can be pretty troublesome if your RV breaks down during a trip. However, if you’ve signed up for the Good Sam Extended Service Plan, you have nothing to worry about. Good Sam covers all emergency expenses in case of a breakdown during a trip.
The plan covers up to $100 for accommodation and five-day meals while your RV is undergoing repairs. In addition, it also includes a maximum of $60 for travel expenses up to five days.
While this particular plan does not cover towing, Good Sam has a separate plan, the Good Sam Roadside Assistance Plan, which does offer the facility.
Works for New or Used RVs
Typically, people get extended warranties for their RVs once the Manufacturer’s Warranty expires, as the manufacturer already covers most of the components.
However, getting this plan for a new RV ensures that your coverage doesn’t lapse–it’s like additional protection. If your vehicle is new, you can get the insurance at a lower cost.
The manufacturer’s warranty can cover different components depending on the company and the type of RV. Before you lock in on the plan, I suggest closely examining which items your manufacturer covers.
Another benefit of this plan is that it is completely transferable. If you sell your RV and get a new vehicle, you can transfer the insurance onto your new vehicle. Furthermore, if the new owner of your old RV decides to continue the Extended Service Plan, they can do so without any additional charges.
Reimbursement for Cancellation
If you change your mind, you can easily cancel your insurance plan. If you cancel within the initial 30 days of the plan, you’ll get back 100% of your premium. However, any claims paid during the period will not be compensated.
On the other hand, if you cancel after the 30-day time limit, the reimbursement will be based on the pro-rata amount for the remaining months. You’ll also have to pay a cancellation fee of $50.
However, these cancellation charges can be waived in case of transfer to a different vehicle.
Like other RV insurance, the Good Sam Extended Service Plan covers your RV appliance. So, if your RV dishwasher or refrigerator breaks down, the insurance plan covers the repairs.
Alternatively, if you wish to purchase a new appliance in place of the broken one, you can do so. For instance, repairing your RV dishwasher costs around $400, and you’d rather get a new one than fix the old one. The estimated costs for the repair can be used to purchase a new dishwasher.
What Are the Cons of the Good Sam Extended Service Plan?
So, are there any downsides to getting this plan?
While this insurance plan offers excellent and reliable coverage, a few downsides exist.
Customer Service Can Be Unresponsive
Firstly, the customer service department can be a bit unresponsive at times. It can sometimes take a little longer than usual to reach customer service.
If you need a repair or can’t reach customer service, follow the steps highlighted in the plan to get your repairs. However, you must contact the insurance company within five days of the repairs to get reimbursed.
However, I recommend waiting until you get authorization from Good Sam to avoid complications. This way, you can get direct payment from the company and won’t have to wait to get reimbursed.
Does Not Cover Routine Maintenance
Secondly, this plan does not cover daily maintenance for your RV. If you want complete coverage from Good Sam, you must regularly maintain your RV per the manufacturer’s recommendation. Failure to do so might lead to the cancellation of your contract.
If you select a service provider Good Sam recommends for regular maintenance, you can avail of a 10% discount. Just make sure to keep records and save all receipts from the maintenance.
Is the Good Sam Extended Service Plan Worth It?
After careful evaluation, it can be confidently stated that this plan is worth the investment. The Good Sam Extended Service Plan provides comprehensive coverage for mechanical breakdowns and related issues, offering peace of mind to RV owners.
It significantly reduces out-of-pocket expenses for repairs and maintenance, making it a financially sound choice. In addition, the plan also offers flexibility with numerous approved repair centers nationwide.
Thus, the Good Sam Extended Service Plan is well worth the money regarding financial protection and convenience.
In conclusion, the Good Sam Extended Service Plan (ESP) offers RV owners comprehensive coverage that ensures peace of mind during road adventures.
The plan covers mechanical breakdowns, such as engine and transmission issues, and includes new and used motorhomes, trailers, and automobiles.
The Good Sam ESP extends its protection across the US and Canada, offering geographically inclusive coverage. One of its unique selling propositions is the transferable plan feature, which could potentially enhance the vehicle’s resale value.
The plan does not require upfront payment for covered repairs; customers are only responsible for the deductible. However, it is worth noting that routine maintenance, cosmetic damages, and general wear and tear are excluded from the coverage.
This review indicates that the Good Sam Extended Service Plan aims to protect against costly repairs, offering customers a reliable safety net for their vehicular investments.