extended service plans
I have just paid a huge bill to have my 1999 Vectra Grand Tour emergency brake fixed. Has anyone used the Good Sam extended service plan? I am not sure whether it would be worth $2,000 a year or not...
Forum Discussion
Real life experiences here....I've had two policies and have been pleased with both. The first paid for a third member that lost a gear, $5400, a middle A/C, transfer switch and microwave, $7800 and the second has paid for a front A/C, $1900, slide repair, $450, an Amish unit for my Norcold, and a blow out, $733. So, yes, I believe they are worth it.
That said, a couple of caveats...first they are NOT warranties, they are service contracts. Contracts should be read VERY CAREFULLY. My current contract cost just shy of $5k for 4 yrs. I opted for a $50 ded, tire add-on as well as an extra fee to have the 'weasel' clause removed. That's the clause that says "If a covered part fails due to the failure of a non covered part, the covered part is not covered." Also, make sure, if you do buy, that it's an "Exclusionary" contract. Those contracts list the items that are excluded from coverage. If it's not listed, it's covered. That way you know exactly what you're buying. They also will pay for mobile mechanics that will come to you. Keep in mind, though, that there are specific instructions that will need to be followed to get reimbursed. So far, I've not had a claim denied.
I'm pretty handy at fixing things, but having the peace of mind knowing if I don't want to do it myself, I have a valid backup. For instance, I replaced two solenoids this past year that the insurance would have covered. It simply wasn't worth it to me to file the claims. I hope this helps...good luck with your decision.....Dennis
That said, a couple of caveats...first they are NOT warranties, they are service contracts. Contracts should be read VERY CAREFULLY. My current contract cost just shy of $5k for 4 yrs. I opted for a $50 ded, tire add-on as well as an extra fee to have the 'weasel' clause removed. That's the clause that says "If a covered part fails due to the failure of a non covered part, the covered part is not covered." Also, make sure, if you do buy, that it's an "Exclusionary" contract. Those contracts list the items that are excluded from coverage. If it's not listed, it's covered. That way you know exactly what you're buying. They also will pay for mobile mechanics that will come to you. Keep in mind, though, that there are specific instructions that will need to be followed to get reimbursed. So far, I've not had a claim denied.
I'm pretty handy at fixing things, but having the peace of mind knowing if I don't want to do it myself, I have a valid backup. For instance, I replaced two solenoids this past year that the insurance would have covered. It simply wasn't worth it to me to file the claims. I hope this helps...good luck with your decision.....Dennis
