Hello,I've been reading the forum for about a year now and have just pruchased my first Diesel motorhome this week. Based upon what I have read in the past, I was all set on getting my extended warranty from WholesaleWarranties.com and getting the Xtra Ride policy from Protective. I thought by doing my homework, once I got the RV this would be a done deal.Now I find out that Protective dropped Wholesale Warranties, SO, my question is this: If they are both such great companies - why did they part ways? And more importantly, should I stay with Wholesale or should I stay with Xtra Ride? It seems like Xtra Ride is who I am actually doing business with (wholesale is just a middleman here) so that is probably the right choice.I would appreciate any input from fellow motorhome owners - preferably those that have experienced Diesel repairs with you warranty company.Thanks!Shaun

Here is my concern now with wholesale warranties:From what I have been reading from everyone here - I definately want exclusionary coverage and I definately want the consequential damage coverage. Now that they now longer have xtra ride, they want me to buy a plan called procare, which has neither of those items. It actually lists as exclusions "covered items damaging non-covered items" and "non-covered items damaging covered items" BOTH as exclusions! That almost seems like a joke after what I have been reading for the last year here. Also I have a question about FULL-Time RV living. I plan to possibly plan to live on our coach full-time after this year if we like it and the Procare policy from wholesale warranties also sepecifiaclly excludes any claims if you live in the RV full-time.HAve any of you experienced this as a problem or is it just one of those things in a contract you have to live with? I would hate to blow my engine and get a bill for $20K because I have been living in my motorhome.Thanks,Shaunwww.glencoecamp.com

Here are some of the things from the Wholesale Warranties Contract that concern me:I would appreciate the groups help on whether or not these should be concerns/ - On this one- I bought a used RV and dont have the records. Will that be a problem? also, does this mean you cant do your own maintenance with wholesale warranties plan?A. MAINTENANCE AND RECORDSTo obtain the benefits provided by this Service Contract, You are required to provide maintenance to Covered Components at a Licensed Repair Facility prroper documentation and verifiable receipts for all maintenance and repairs will be required in the eventof a claim. Receipts must reflect Your name, proper RV documentation (i.e. year, make, and model), complete VIN/Serial number, and the current mileage of the RV Handwritten receipts will not be accepted. Failure to provide proof of required maintenance may result in denial of coverage.E. WHAT IS NOT COVEREDAny overheating, regardless of (what if the water pump goes out)the cause of overheatingAny expenses that are associated with shop supplies, materials charges, hazardous waste charges, diagnosis time (isnt there always dianostic time billed)RVs used as a permanent residence (is this for real)21. The repair or replacement of any Covered Component that has been damaged by a non-Covered Component or from an improper repair.22. The repair or replacement of any non-Covered Component damaged as a result of the Failure of a Covered Component. (WTH?)23. Repairs or replacements made outside the contiguous United States ( does this mean no coverage in Canada?)thanks again for input and advice on this situation! I was really sold on the xtra ride plan but this ProCare leaves me wondering.

if they say they don't cover units used for full timing, why do you think this will not apply to you. It seems to me that that assortment of exclusions/loopholes, restrictions, conditions etc. makes the coverage essentially useless.bumpy

1. I applaud you for thoroughly studying these "warranties" before buying.2. This topic has been discussed so much that you will find literally hundreds of pages to read by using the search at the top of every page.3. Extended "warranties" are really insurance policies that are very carefully written to exclude many common repairs. You should read the policy, not the sales brochure.4. You should never buy insurance to cover anything you can afford to replace. Therefore, if you can afford a typical repair, you should not buy a policy.5. These extended "warranty" companies, not being regulated, often conveniently go out of business after collecting lots of premium money without paying out many claims.

In a nut shell it is not a warranty it is a service contract.If a covered part damages a non covered part the non covered part is not covered and if a non covered part damages a covered part neither part is covered” Sounds like a Chicken Ad doesn’t it. Well I discover the fan is covered and that is $225.00 and in order to replace the fan you have to remove the radiator, the Charge Air Cooler, and other stuff for access. Radiator is not covered but the cooling system is so go figure. So they finally agree to cover 8 hours of labor at $100.00/hour. For the whole story read hereSERVICE CONTRACTENJOY THE RIDEburnindiesel99 wrote:Hello,I've been reading the forum for about a year now and have just pruchased my first Diesel motorhome this week. Based upon what I have read in the past, I was all set on getting my extended warranty from WholesaleWarranties.com and getting the Xtra Ride policy from Protective. I thought by doing my homework, once I got the RV this would be a done deal.Now I find out that Protective dropped Wholesale Warranties, SO, my question is this: If they are both such great companies - why did they part ways? And more importantly, should I stay with Wholesale or should I stay with Xtra Ride? It seems like Xtra Ride is who I am actually doing business with (wholesale is just a middleman here) so that is probably the right choice.I would appreciate any input from fellow motorhome owners - preferably those that have experienced Diesel repairs with you warranty company.Thanks!Shaun

Advice For Buying an RV Extended Warranty | Good Sam Community

30 Replies

rgatijnet1
Explorer III
Aug 28, 2013
If it were me, and my money, and if I were buying a used coach, I would buy an extended warranty from Good Sams AFTER I read, and understood, ALL of the exclusions. I suggest Good Sams only because they will probably be around in a few years, where other companies fall by the wayside on a regular basis. Keep in mind that the age of the coach has a lot to do with what is covered. Some policies exclude gaskets and seals after 5 years or so.
In any case, having an EW through a company like Good Sams, that will be around, and will respond to your calls, might give you peace of mind for the first year or so of ownership. After the first year or so, if the coach has been reliable, I would drop the extended warranty only because it does not make financial sense IF, and this is a huge IF, you have your own funds to handle a catastrophic failure. If you do not have those emergency funds, and you are full timing, it might be wise to have some type of back-up.
slemnah
Explorer
Aug 28, 2013
I also purchased the XtraRide policy since I didn't have a lot of history on my Panther. I have four years of coverage and if nothing happens in those four years then I had four years of peace of mind knowing that in the event of a failure it would be covered. That is worth the money I paid. I am not in a position to afford a major repair such as an engine overhaul or transmission failure out of pocket. I can and do maintain my Motorhome as I believe that preventative maintenance is less costly than repairs but having been I the car repair business all my life I know that stuff happens and parts break.
Just one man's opinion.
hotjag1
Explorer II
Aug 28, 2013
I bought an extended warranty(ExtraRide) 2 months ago when I purchased my used motorhome. After having the coach for a month, I noticed a few issues with it. I took it to a service center for repairs(leaking high pressure fuel pump, air suspension leak, generator quits running after 20 minutes). A $3700 bill only cost me my $500 deductible. I'm so glad that I had an extended warranty. I now have 58 months of almost free coverage. The service center told me that ExtraRide was very easy to deal with and did not quibble about paying for the repairs.
Bumpyroad
Explorer
Jul 31, 2013
just heard back from Toyota. my $1741 repair will be covered by my extended warranty.
bumpy
vacuumbed
Explorer
Jul 24, 2013
I NEVER buy extended warranties. Big waste of money IMO.
Not_a_Clue
Explorer
Jul 24, 2013
burnindiesel99 wrote:
Thanks to everyone for the info!! I always prefer to use others past experiences as a guide. I have done some more shopping around last night and it does appear that there are other companies out there with better coverage than WW for the same price or just a little more..

Thanks!

We purchased an extended warranty when we bought our motorhome, it was offered through the dealership. It has paid everything that it said it would pay for in the contract. The name of the company in American General. We have been happy with it.
tropical36
Explorer
Jul 24, 2013
Rwake901 wrote:
tropical36 wrote:
My best advice is to forget any and all extended warranties, period.

I read an article one time in a magazine about ways to save money. It said NEVER buy extended warranties. I am 55 years old and I have never bought one or wished I had…. Just my 2 cents :)

You're probably about broke with all the unforeseen and incurred expenses in your lifetime then, right?:R
It's my guess, the the OP has already made up his mind to purchase one of these, no matter what.
burnindiesel99
Explorer
Jul 24, 2013
Thank you JALLEN!

Well spoken. I am good with a hammer and nails but wouldnt know where to start looking on a big Diesel and I want to fill the hold of the RV with beer, not tools.

I've got some more salesmen on the line now and they seem to have some good alternatives. Its a pretty quick learning curve.
Rwake901
Explorer
Jul 24, 2013
tropical36 wrote:
My best advice is to forget any and all extended warranties, period.

I read an article one time in a magazine about ways to save money. It said NEVER buy extended warranties. I am 55 years old and I have never bought one or wished I had…. Just my 2 cents :)
Sully2
Explorer
Jul 24, 2013
Keep YOUR MONEY in YOUR POCKET!