Review of Good Sam RV Insurance | 2023 Guide
Review of Good Sam RV Insurance in Simple Words. As someone who uses an RV for recreation, it's important to have RV insurance. This insurance helps protect you from theft, damages, and any responsibility if something happens...
Good Sam is an agency that works with some of the best RV insurance companies in the country. They offer various coverage options, like personal injury protection, full-time coverage, and comprehensive protection.
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If you want to know more about Good Sam Club RV insurance and if it's right for you, keep reading. Make sure your motor home is properly covered with RV Insurance. When you have the right insurance policy, your home on wheels will be protected.
This way, you can have peace of mind while you're on your travels. If you want to know how much it would cost, you can get a free quote by clicking on your state.
Best RV Insurance Policies Simplified
Good Sam offers different types of insurance for RVs and travel trailers, including coverage for when you travel in Mexico. Here are some of the things you get with a Good Sam policy:
- - Up to $3,000 coverage for personal belongings.
- - Optional full replacement cost coverage.
- - Coverage for extra equipment like awnings, satellite dishes, and antennas.
- - If you are stranded 100 miles from home, they help with lodging and food expenses.
- - You can suspend some coverage when your RV is in storage for 30 days or more.
- - They have specialists to help you with RV claims.
- - You can get a discount of up to 20% if you insure both your autos and RV with Good Sam.
- - If your RV is stolen, they offer a reward of up to $500 for information leading to the conviction of the thieves.
- - You can report claims 24/7.
Good Sam provides insurance for different types of RVs, like Class A, Class B (camper van), Class C, Airstream, 5th Wheel, and Truck Camper.
Pros of Good Sam RV Insurance:
- - Claims are paid quickly.
- - No restrictions on towing mileage.
Cons of Good Sam RV Insurance:
- - The Better Business Bureau customer rating is low.
- - The core policy doesn't include roadside assistance.
Good Sam offers various RV insurance options with helpful benefits, but some customers have reported issues with their customer service. Consider these factors when choosing the right insurance for your RV.
Pros of Good Sam RV Insurance Explained:
1. Claims are paid quickly:
According to customer reviews, Good Sam processes most minor claims fast. So, if you have a small issue, they can resolve it quickly and easily.
2. No towing mileage restriction:
With the Good Sam Roadside Assistance plan, you get unlimited towing to the nearest provider in the U.S. and Canada. This means you don't have to worry about towing charges, even if you're far away in a remote area.
However, there's a limitation; you can't choose the towing location. They will take you to the closest option available.
Cons of Good Sam RV Insurance Explained:
1. Low Better Business Bureau customer rating:
On the Better Business Bureau (BBB), Good Sam has a customer review rating of 1.11 out of 5 stars. But interestingly, the BBB itself gave Good Sam a grade of A+.
Customers complained that Good Sam didn't provide the unlimited towing they paid for with the Roadside Assistance plan. They were also unhappy with the customer service, which they found unresponsive.
2. Core policy doesn't offer roadside assistance:
The basic Good Sam policy doesn't include roadside assistance coverage, and you can't add it as an option. To get unlimited towing services, you must purchase a separate Good Sam Roadside Assistance plan.
Good Sam RV Insurance Plans and Offerings:
Good Sam partners with well-known insurance companies like National General, Progressive, Safeco Insurance, and Foremost Insurance Group. Through these partnerships, Good Sam offers a variety of RV insurance plans, including:
Full-timers: Designed for RVers who live on the road, this plan offers customizable coverage options, including medical payments to others, personal liability for full-timers, emergency expense allowance, and personal belongings coverage up to $3,000 of full replacement cost at no extra cost.
Full Replacement Cost
Good Sam offers an optional Full Replacement Cost coverage for your RV. If your RV is stolen and not recovered or gets totaled within its first five years, Good Sam will replace it with a comparable new model. You will receive the full original purchase price, not a lower amount due to depreciation. This way, you can use the money to buy a replacement RV.
Mexico Insurance
Good Sam also provides insurance for when you're in Mexico. Through their partnership with MexicoInsuranceOnline.com, Good Sam will give you proper third-party liability insurance as required by Mexican law.
Whether you're staying in Mexico for an extended time or just visiting for a weekend, you'll be covered.
They also offer additional coverage for you and your vehicle, including collision, physical damage, theft, and vandalism. Once your basic Mexican liability coverage is fulfilled, you can choose from various services and coverage options.
Medical Help While Traveling
Good Sam has a TravelAssist plan that provides medical emergency assistance for travelers.
For individuals, families, and couples, they have a Standard plan that starts at $89.99 per year. It includes:
- - Emergency medical transportation
- - Security evacuation assistance
- - Ground ambulance service
- - RV and vehicle return if you can't drive
- - Flights home after an emergency
- - Return of deceased remains
- - Referrals to dentists, doctors, and pharmacies
The Premier plan, which costs $179.99 per month, offers even more benefits. It includes everything in the Standard plan plus:
- - Medical case monitoring
- - Home hospital evacuation
- - A 24/7 nurse helpline
- - Transportation home if a family member is critically ill
- - Assistance with prescriptions and replacement glasses
- - Another home hospital evacuation service
These plans can give you peace of mind while you're traveling, knowing you have help and support in case of a medical emergency.
TravelAssist Plan
Good Sam's TravelAssist plan is for medical emergency assistance during travel. It's designed for individuals, families, and couples.
The Standard plan starts at $89.99 per year and offers services like emergency medical transportation, security evacuation assistance, ground ambulance service, RV and vehicle return if you can't drive, flights home after an emergency, and more.
The Premier plan costs $179.99 per month and includes everything in the Standard plan plus additional benefits for pets and extended family, such as medical case monitoring, 24/7 nurse helpline, prescription assistance, and transportation home if a family member is critically ill.
Diminishing Deductible
Good Sam offers a Diminishing Deductible, which rewards safe driving. As you maintain a good driving record, your deductible gets smaller.
UMBI Stacked
Good Sam offers UMBI Stacked coverage, where they combine underinsured and uninsured motorist bodily injury (UMBI) coverage limits for multiple policies and vehicles. This increases the maximum amount Good Sam will pay for a claim.
Pricing of Good Sam RV Insurance Policy
Good Sam doesn't openly share its RV insurance rates or prices. The cost will depend on different things, such as:
- - How much coverage you need.
- - Your driving history (how you've driven in the past).
- - Your age (how old you are).
- - The state where your RV is registered.
- - Details about your RV, like its value, make, size, model, and year.
- - Your credit history (how you've managed your money).
- - The amount of money you choose for your deductible (how much you pay before insurance starts).
Discounts offered by Good Sam
Good Sam gives various discounts to its customers, which can save you money. Here are some examples:
- - Multi-Vehicle Discount: You can save up to 20% by combining your Auto and RV insurance into one policy.
- - Paid-in-Full Discount: If you pay for your annual RV coverage all at once, you can get a reduced premium.
- - Storage Option: When you're not using your RV, you can suspend certain coverages and save money.
- - Multi-Policy Discount: If you also insure your home or condo with Good Sam, you can save up to 10%.
Good Sam RV Insurance Financial Stability:
When choosing an RV insurance company, it's important to consider their financial stability. Good Sam is underwritten by QBE Europe Insurance, LTD., which recently received a Stable rating from Fitch, a credit rating agency. This means that Good Sam RV Insurance is financially stable and reliable.
How We Reviewed Good Sam RV Insurance:
We reviewed Good Sam RV insurance by looking at the following:
- The different RV insurance plans they offer and what's included in each plan.
- How easy it is for people to access and use their services.
- Who can get their insurance and where it is available.
- What customers have experienced while using Good Sam RV insurance.
- How satisfied customers are with their experience.
Conclusion: Good Sam RV Insurance Review:
Good Sam provides a wide range of RV insurance plans, including options for full-time RV insurance, Full Replacement Cost coverage, and coverage for RV trips to Mexico. They process claims quickly, offer 24/7 service, and have no restrictions on towing mileage.
However, it's important to note that Good Sam has a low rating from the Better Business Bureau. Many customers have complained about their customer service.
Additionally, their main website is not user-friendly, making it challenging for people to understand what they offer. If you want to learn more about your options for RV insurance, you can read our tips on RV rental insurance.
