Good Sam Extended Service Plan

Dear Al,

I am sorry to hear that you are dissatisfied wtih the Good Sam Extended Service Plan. I would like to clear up any misconceptions about the coverage. Good Sam ESP is a Mechanical Breakdown Insurance and is designed to cover mechanical failures for the hundreds of components in a typical RV. It does not cover things like the body panels, roof, furniture, and other non-mechanical components.

I stand by the statement that Good Sam ESP has the best coverage in the industry. We will not deny a claim on a covered mechanical component that fails due to norman wear and tear, while most other service contracts or MBI policys will. However, we will not pay for a worn couch! A couch is not listed in the list of components that any MBI or service contract will cover, under any circumstances. I can pull the call to see who promised that a couch would be covered. I will be very suprised if any of our licensed sales professionals promised that we would cover a couch, but if that is the case, I will personally replace your couch when it wears out! All sales calls are monitored for compliance and accuracy, and agents receive extensive training.

In summary, Good Sam ESP has a record of paying thousands of claims each month. In fact, one out of three of our customers has a covered claim EACH YEAR. If you compare that to the number of homeowner's or auto insurance claims that are paid, I think you will agree, this is one insurance policy that is worth having.

After the initial repair on warranty of a new RV most of the remaining problems throughout it's lifetime, not all, are just maintenance from normal wear and tear. If you maintain your RV on a regular basis large items normally don't fail. The extended polices cover the rare occasions that a moving part just failed. A few buyers of those policies do make out and save if a large moving part fails. For most it is just an insurance policy, like your auto insurance, you never collect. They just make money off of you. It isn't just GS. It is all of the companies that sell those policies. You hear statements like "read the policy" but very people actually read those policies. They listen to a fast talking sales person and his sales pitch sounds good and they make the sale. I make it a policy to never buy anything from any sales person on a sales pitch. I'm a B-back, as the sales people refer to me. They hate people like me because I research their sales pitch and if I am a B-back it is because they told me the truth. Something to think about though. My dad, years ago, used to always ask me after I made a big mistake. "Did you learn anything from that mistake"? YES I have. JMHO

Our fridge started freezing everything in it. Originally CW told us it was bad seals. However, I insisted the thermistor be replaced first. This is a $25.00 part you can replace yourself. Low and behold, after the thermistor was replaced the fridge stated working great. No need to replace the seals. You might give that a try first just to see.

Sorry for your sad story, however, as much as I would like to blame the warranty it would seem that the salesman grievously overstated the extent of coverage for the warranty. Really, if the fabric wears out. Additionally, many policies offer the option, at an additional cost, of consequential damage. If a covered item fails everything that fails along with it, even if not usually covered, becomes a warranty item. I do not have a Good Sam policy and I have not read the policy, but it would seem that you did not understand what was being sold either. The question I have, and perhaps others have also, is who was the dealer who lead you astray.

Wow, sorry you got caught up in this situation. No doubt you realize you got led astray and would have been well served to check out the fine print yourself. I've learned never to accept anything any salesperson tells me without checking it myself. Reagan said "trust, but verify", with which I agree, except for the trust part. I've found few folks in sales who put my needs before their own. Sorry for your troubles, but welcome to the forum! Feel free to ask here before you buy.

When are people going to learn to read warranty and srevice contracts, including the exclusions.

So the fridge seals and the new board are around $5000 ? And you did not read the contract before you paid the premium?