stargirl96,
Both Good Sam ESP programs are 100% backed by the Good Sam Club. The coverage between the two programs is very similar.
The product sold through Camping World RV sales is a typical Vehicle Service Contract designed to be bundled with the sale of an RV, and can be easily financed along with the RV purchase. This allows the potential for a lower monthly payment when the contract is finance for the life of the RV loan.
The product sold directly to Good Sam Club members was designed as a direct-to-consumer product, allowing us to offer this type of protection even when you did not buy from Camping World, or if you have had your RV for some time, or purchased on the private market. Because we are offering this directly to the club member, this is actually a Mechanical Breakdown Insurance Policy rather than a Vehicle Service Contract due to regulatory compliance reasons. As an insurance policy, there is no flexibility on pricing, other than changing coverage levels and deductibles. Because this product is designed for customers who are not in the RV buying process, we offer monthly payment plans for the life of the policy term.
There is no "better" plan for every individual, it really depends on where you are in the RV ownership cycle and what your individual needs are.
