Horrible Good Sam/National General Experience
Wanted to write a little PSA (vent session) regarding my experience with Good Sam/National General Insurance.
I called them in mid Feb to get quotes for the RV as we just purchased and planned to go full time. Logic was go to the people who should be the experts in RV insurance.
First red flag was the fact that they couldn't determine my model using the VIN. (Picture I sent from the actual title, not a typo on my part) They wanted to insure a lower level model that was about 7 feet shorter than mine, and not the same value level.
Finally determined through photos I sent and Google searches on their end, they would insure as a Roamer even though mine isn't or at least doesn't say Roamer like the original models. I didn't care as the replacement value was what I expected based on the RV's NADA.
2nd red flag was the question of "How much did you pay for the rv?" This was immediately after I inquired on replacement value. This sparked the question of relevancy to the quote. Shouldn't matter what I paid, all that matters is the value and coverage.
We got through it and accepted the quote amount for the RV and subsequent sales pitch to move my F250 over to bundle. Perfect, let's keep it moving.
Quoted moving my motorcycles and my sons car over, but it didn't make financial sense. We even joked (myself/agent) on how much it was to insure a 16 year old.
Fast forward to this months draft from my account. DOUBLE the amount quoted. Of course this got the CFO of the house (wife) in my ear, and irked me based on what we expected.
I email the agent I'd worked with so closely for an explanation. Response was "we need proof of coverage on your son". OK, why? He's not on the policy, I specifically declined adding him and the motorcycles. His car is covered under my old insurance broker. I then asked for a refund of the difference quoted.
No response, but a call with a voicemail from a "manager". Called back and left my own voicemail. Followed up with an email trying to rectify, but only response was he'd call again. Got another call while I was on a work call. Again, voicemail to which I returned the call and received the same.
Another email trying to connect from my new voicemail, with a specific request to just get an answer in the email since we'd had trouble connecting and it had been a few days.
Nope, next response was he'd try me again. Now I'm frustrated. I called my old agent, got him to quote the two vehicles, and in typical fashion he got back to me within minutes. Much better rate with the same coverage on both. I shouldn't have ever left him.
Notify Good Sam/National General to cancel my policy today, expressed my dissatisfaction/concerns and wished them well. Response back was "sorry to hear, call customer service to cancel your policy". Ughhhhh!
Called customer service and began my wait. Finally got someone on the phone and proceeded to cancel. Quick and easy process, all canceled, and I ask the final question. "What's the prorated credit I'll receive?
"
Answer to that was some jargon about Georgia being a "prorata" state (spelling?) and they get to keep 10% of the premium. OK, so what does that look like related to the last payment we just made? "You owe us $260". WHAT!!
At this point I give my fiery speech, tell them what I thought of their service, and wished her a farewell. Followed immediately by an email to the agent and "manager" I'd corresponded with in the email. No response yet, but I don't expect much at this point.
Sorry to be so long winded, but this was a mess from the beginning. Beware of what you're signing up for if you go with these guys. Don't believe they carry anymore "expert rv" knowledge than any other carrier. Stick with who services you best at the rate you want!
I called them in mid Feb to get quotes for the RV as we just purchased and planned to go full time. Logic was go to the people who should be the experts in RV insurance.
First red flag was the fact that they couldn't determine my model using the VIN. (Picture I sent from the actual title, not a typo on my part) They wanted to insure a lower level model that was about 7 feet shorter than mine, and not the same value level.
Finally determined through photos I sent and Google searches on their end, they would insure as a Roamer even though mine isn't or at least doesn't say Roamer like the original models. I didn't care as the replacement value was what I expected based on the RV's NADA.
2nd red flag was the question of "How much did you pay for the rv?" This was immediately after I inquired on replacement value. This sparked the question of relevancy to the quote. Shouldn't matter what I paid, all that matters is the value and coverage.
We got through it and accepted the quote amount for the RV and subsequent sales pitch to move my F250 over to bundle. Perfect, let's keep it moving.
Quoted moving my motorcycles and my sons car over, but it didn't make financial sense. We even joked (myself/agent) on how much it was to insure a 16 year old.
Fast forward to this months draft from my account. DOUBLE the amount quoted. Of course this got the CFO of the house (wife) in my ear, and irked me based on what we expected.
I email the agent I'd worked with so closely for an explanation. Response was "we need proof of coverage on your son". OK, why? He's not on the policy, I specifically declined adding him and the motorcycles. His car is covered under my old insurance broker. I then asked for a refund of the difference quoted.
No response, but a call with a voicemail from a "manager". Called back and left my own voicemail. Followed up with an email trying to rectify, but only response was he'd call again. Got another call while I was on a work call. Again, voicemail to which I returned the call and received the same.
Another email trying to connect from my new voicemail, with a specific request to just get an answer in the email since we'd had trouble connecting and it had been a few days.
Nope, next response was he'd try me again. Now I'm frustrated. I called my old agent, got him to quote the two vehicles, and in typical fashion he got back to me within minutes. Much better rate with the same coverage on both. I shouldn't have ever left him.
Notify Good Sam/National General to cancel my policy today, expressed my dissatisfaction/concerns and wished them well. Response back was "sorry to hear, call customer service to cancel your policy". Ughhhhh!
Called customer service and began my wait. Finally got someone on the phone and proceeded to cancel. Quick and easy process, all canceled, and I ask the final question. "What's the prorated credit I'll receive?
"
Answer to that was some jargon about Georgia being a "prorata" state (spelling?) and they get to keep 10% of the premium. OK, so what does that look like related to the last payment we just made? "You owe us $260". WHAT!!
At this point I give my fiery speech, tell them what I thought of their service, and wished her a farewell. Followed immediately by an email to the agent and "manager" I'd corresponded with in the email. No response yet, but I don't expect much at this point.
Sorry to be so long winded, but this was a mess from the beginning. Beware of what you're signing up for if you go with these guys. Don't believe they carry anymore "expert rv" knowledge than any other carrier. Stick with who services you best at the rate you want!
