RV Insurance

[Shepherdhiker]

Any suggestions for rv insurance. Have had National General through Good Sam for a few years, Very frustrated. Today is May 3rd, and I got an email this morning saying my policy was cancelled May 2 due to non-renewal. No notice that it was due, no bill, just a cancellation notice after the fact. Grrrr!

[DaGrinch]

I went with GEICO a couple if years ago and saved almost $1000 from what Erie was going to charge me for a year for my Sunseeker and 2 cars. However, how much you use your RV does make a difference to GEICO. If you're a fulltimer, it's going to be more. Mine is in storage about 6 months out of the year (winter) and probably don't use it more than 30 days out of the year.

[Shepherdhiker]

Thanks for the reply.May give them a call. We only use ours a month or so out of the year (though I would like to do more), so it shouldn't cost a lot.Does Geico have a stored option and active option like National General?

[DaGrinch]

Originally Posted by Shepherdhiker

Thanks for the reply.May give them a call. We only use ours a month or so out of the year (though I would like to do more), so it shouldn't cost a lot.Does Geico have a stored option and active option like National General?

I can't remember about the stored/active option. I know when I was searching I did run across that with one company, but it wasn't GEICO. I'm a happy customer so far. Had one issue almost 2 years ago and GEICO took care of everything...I was impressed.
When I called for my estimate from GEICO, the sales rep did tell me that Forest River and GEICO are sister companies under Berkshire/Hathaway and they take care of their own.

[BandJCarm]

This is like a truck thread.


It is 100% impossible to compare my insurance to yours. There are too many variables......driving record, Age, other drivers, options chosen, LOCATION you live at, deductible chosen, coverages, claim history........ONLY when every one of those is exactly equal can you compare, and I'll bet a nickel those rates won't be identical even then.


And every single insurer hates claims. That's who they are.

[DaGrinch]

Originally Posted by BandJCarm

This is like a truck thread.


It is 100% impossible to compare my insurance to yours. There are too many variables......driving record, Age, other drivers, options chosen, LOCATION you live at, deductible chosen, coverages, claim history........ONLY when every one of those is exactly equal can you compare, and I'll bet a nickel those rates won't be identical even then.


And every single insurer hates claims. That's who they are.

Yeah, but..... it gives a base line. Some will do better, some will do worse.

[emm-dee]

I’ve used FCIS out of Forest City, Iowa. Very pleased with their service. The broker several insurance companies for quotes and give you a choice. They are extremely knowledgeable about RV insurance needs and programs.

https://www.fcisinsurance.com

[A2pfunk]

Call me lazy, but I just had the camper added to my regular auto policy through Allstate. It was extremely cheap. I feel like the specialty companies like Good Sam are kind of a rip and have a ton of loopholes to avoid paying claims.

[sunnman]

We got ours and bundled with our auto and homeowners. Makes sense because they cover under auto when it’s towed and saves on policies. Many people don’t realize auto only covers when it’s being towed, not while stores or set up in campground

[k5rcd]

Originally Posted by A2pfunk

Call me lazy, but I just had the camper added to my regular auto policy through Allstate. It was extremely cheap. I feel like the specialty companies like Good Sam are kind of a rip and have a ton of loopholes to avoid paying claims.

You have no idea what you are talking about, just wanting to express an unqualified pejorative opinion.

Please cite an example of any "loopholes" you are referring to.

[polishdon]

Originally Posted by BandJCarm

This is like a truck thread.


It is 100% impossible to compare my insurance to yours. There are too many variables......driving record, Age, other drivers, options chosen, LOCATION you live at, deductible chosen, coverages, claim history........ONLY when every one of those is exactly equal can you compare, and I'll bet a nickel those rates won't be identical even then.


And every single insurer hates claims. That's who they are.

And even credit checks come in to play.

[A2pfunk]

Originally Posted by k5rcd

You have no idea what you are talking about, just wanting to express an unqualified pejorative opinion.

Please cite an example of any "loopholes" you are referring to.

Lol, okay. Clearly your opinion is different than mine. I'm not going to try to convince you otherwise as it's not worth my time.

I will agree with sunnman that bundling with other policies is often the best bet.

[Iwritecode]

Originally Posted by k5rcd

You have no idea what you are talking about, just wanting to express an unqualified pejorative opinion.

Please cite an example of any "loopholes" you are referring to.

There have been 2 or 3 reports from FRF members within the last year of having their Good Sam policies cancelled for simply using the service they are paying for as intended.

Although that seems to be a common thing with a lot of insurance companies.

It's one of the only industries I can think of where you are penalized when the company has to literally do the one job that you are paying them money to do.

[JohnD10]

Originally Posted by Iwritecode

There have been 2 or 3 reports from FRF members within the last year of having their Good Sam policies cancelled for simply using the service they are paying for as intended.

Although that seems to be a common thing with a lot of insurance companies.

It's one of the only industries I can think of where you are penalized when the company has to literally do the one job that you are paying them money to do.

I have heard that about the Good Sam Roadside Assistance program...

Use it more than once a year and they'll drop you like a hat!

Not sure about their actual RV insurance policies, though.

[k5rcd]

Originally Posted by A2pfunk

Lol, okay. Clearly your opinion is different than mine. I'm not going to try to convince you otherwise as it's not worth my time.

I will agree with sunnman that bundling with other policies is often the best bet.

As a retired Regional Claim Manager for a large insurance company (not a Good Sam affiliated company), I think it's definitely not worth your time trying to convince me otherwise. Any insurance policy is a contract, and most all are based on common forms and wording regarding coverage and exclusions. Most disagreements are based on the insured's misunderstanding of of the policy. All policies these days are required by law to be written in clearly understandable language, so terms, definitions, and conditions should be clear to anyone who reads them.


Any company trying to avoid payment on a legitimate claim will not be in business for long. If one feels they have been wronged, then a quick call or letter to the insurance commission in that state will normally result in a quick resolution.

It's easy to take cheap potshots at, and try to disparage the insurance industry, but is generally unfounded. Please don't criticize what you don't understand or on hearsay from an internet forum.

By the way, policy bundling can be advantageous in some cases, but the best bet is to contact an agent who can write coverage with various companies in order to obtain the best coverage for YOUR needs at the most reasonable cost. F.Y.I. Good Sam can write all kinds of insurance coverage including auto, RV, homeowners, umbrella liability etc. with the numerous companies for which they are agents.

[Iwritecode]

Originally Posted by k5rcd

Any company trying to avoid payment on a legitimate claim will not be in business for long. If one feels they have been wronged, then a quick call or letter to the insurance commission in that state will normally result in a quick resolution.

This is a little off-topic but I've had horrible luck getting insurance companies to pay out for claims when I've been involved in an accident and it wasn't my fault.

The problem seems to be that the insurance companies tend to believe whatever lie their customer makes up even if it doesn't come close to matching what actually happened.

In one incident I was hit trying to turn into a parking lot off of a 4 lane road with a dedicated turn lane in the middle. Another car came out of the parking lot and hit me in my rear drivers side hard enough to bend my wheel in. I got a police report and everything.

But the story the other guy made up was something about me coming from a parked position and hitting him. Even though every shred of evidence said otherwise.


Another time I was sideswiped by a guy towing a flat-bed trailer. I hit my brakes and he continued forward scratching up the entire driver's side of my car. Again, the other guy made up a story that wasn't even close to what actually happened and the insurance company refused to pay.

[emm-dee]

Originally Posted by Iwritecode

This is a little off-topic but I've had horrible luck getting insurance companies to pay out for claims when I've been involved in an accident and it wasn't my fault.

The problem seems to be that the insurance companies tend to believe whatever lie their customer makes up even if it doesn't come close to matching what actually happened.

In one incident I was hit trying to turn into a parking lot off of a 4 lane road with a dedicated turn lane in the middle. Another car came out of the parking lot and hit me in my rear drivers side hard enough to bend my wheel in. I got a police report and everything.

But the story the other guy made up was something about me coming from a parked position and hitting him. Even though every shred of evidence said otherwise.


Another time I was sideswiped by a guy towing a flat-bed trailer. I hit my brakes and he continued forward scratching up the entire driver's side of my car. Again, the other guy made up a story that wasn't even close to what actually happened and the insurance company refused to pay.

Just another in a long list of reasons to have forward and aft dashcams.