This is a very good question- when would a failure be considered "pre-existing" and when would it be covered. As with any insurance policy or service plan, you cannot expect to have a breakdown, then buy coverage and expect the problem to be covered. That seems obvious but we still get customers who will try to do just that. When the claim is called in, the administrator, along with the repair facility, will determine the date of the failure, and if the date of the failure was prior to the start date of the contract or policy, the claim will be denied as pre-existing. Sometimes an inspection is required by a third-party mechanical inspection company to check out the parts for signs that this is an old failure. The parts generally speak for themselves, with signs that the faiure is not new. We will also check things like the number of miles traveled (if any) since the coverage started.
These are all steps that are necessary to keep the unscrupulous customers from driving up the cost of protection for everyone else. For the average RVer, the important thing is to have a through inspection done before the purchase of the RV to insure that everything is in working order when you take possion and when the coverage starts. Then you should have no problem with pre-existing conditions.
