Good Sam Club Open Roads Forum: Should I get the extended service plan
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 > Should I get the extended service plan

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MRiley37

Brunswick, GA

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Posted: 04/22/20 11:24am Link  |  Quote  |  Print  |  Notify Moderator

3 weeks ago I purchases a former rental class c motor home from Cruise America, Its a 2015 Majestic 30 ft. It has about 113,500 miles on it. I still am eligible to purchase the POWER TRAIN PROTECTION PLAN it cost $1,798 and covers another five years or 100,000 miles. it dose not include things inside but dose include

ENGINE GROUP
All internally lubricated parts. Crankshaft and
bearings, oil pump, fuel pump, internal timing gears
or chain/belt, camshaft, camshaft bearings, valve
lifters, rocker arm assemblies and push rods, valve
guides, pistons and rings, wrist pins, connecting
rods, exhaust manifold, and distributor drive gear.
The engine block and cylinder heads are covered
if damage is caused by failure of an internally
lubricated part.

TRANSMISSION
All internally lubricated parts contained in the
housings and torque converter. Case housings are
covered if damaged by the failure of an internally
lubricated part.

DRIVE AXLE GROUP (FRONT OR REAR)
Drive axle housing including pinion bearings, side
carrier bearings, ring and pinion gears, carrier
assembly, thrust washers, axles, axle bearings,
constant velocity joints, internal joints, internal
transaxle seal and drive axle housing, if damaged
by the failure of an internally lubricated part.

SHOULD I GET IT?????????????

romore

Okanagan valley British Columbia

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Posted: 04/22/20 11:59am Link  |  Quote  |  Print  |  Notify Moderator

They are a huge money maker, the majority never get used. Like in Vegas, you are betting against the dealer and he almost always wins. Put the money in an emergency no touchee account and use it as necessary.

Krusty

Calgary, Alberta,Canada

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Posted: 04/22/20 12:10pm Link  |  Quote  |  Print  |  Notify Moderator

I've never seen the point in spending a bunch of money on a repair before you even need one. Why don't you put the money in the bank and add to it when you can.


Krusty
92 F-250 4x4 460 5spd 4.10LS Prodigy
97 Rustler RT190
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Desert Captain

Tucson

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Posted: 04/22/20 12:21pm Link  |  Quote  |  Print  |  Notify Moderator

There are a couple of ways to look at this proposition...

Being a former rental with 113K miles know that your transmission has been mostly cooked/abused for all of those miles. Very few renters are ever instructed on utilizing Tow Haul and consequently don't. This leads to the transmission fluid running 10 to 20 degrees hotter than it should. A 30' Class C has more than enough weight to justify the use of Tow haul just about all of the time. Repairing or in the worst case scenario replacing the trans will run 3 or 4 thousand dollars. [emoticon]

Also every time I have been passed by a class C going like a bat out of hell, often 75 or more it is a rental... renters just don't care. On the plus side the rentals out of necessity do get good maintenance but they know more about the coach than you and they want it gone after just 5 years which is well below the working life of a C that has been properly operated and maintained. Hmmm, kind of makes you wonder. [emoticon]

I am assuming that your 30' Magestic is probably on a Ford E-450 chassis with the V-10 and a 5 speed Torque Shift transmission. This combination when not abused is close to bulletproof so you gotta ask yourself one question...Do you feel lucky, well do ya?

I am not a fan of extended warranties and you might just be better off to put that $1,798 in a bank account and add to it periodically thus increasing your coverage when you are financially able. Use these funds ONLY for coach repairs as needed and make sure it is in an account you can easily access {especially while traveling}.

Chances are that if you have a mechanical problem you will be out on the road and not in your driveway. Who is authorized to provide warranty repairs and where are they located ? If you self insure you can get service anywhere and if they cannot get to you quickly or the estimate is high you can keep shopping for a better repair facility.The V-10 should cause you no grief but as noted transmission repairs get pricey in a hurry.

This and other RV Forums are full of horror stories about folks trying to get service with extended warranties with their coaches often stuck in repair limbo for extended periods of time.
For the record my 2012 E-350 24'Nexus C has been trouble free for 6.5+ years and 60K+ miles but it has been very carefully maintained and never abused in any way and yes, I use Tow Haul about 90 percent of the time.

I hope this gives you some perspective on the pros and cons of going either way and...
As always... Opinions and YMMV. Good Luck!

[emoticon]





Lwiddis

near Bishop, California

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Posted: 04/22/20 01:19pm Link  |  Quote  |  Print  |  Notify Moderator

No insurance company offers any RV policy where there is a high chance of valid claims.


Winnebago 2101DS TT & 2020 Chevy Silverado 1500 LTZ Z71, 300 watt solar-parallel & MPPT, Trojan T-125s. TALL flag pole. Prefer USFS, COE, BLM, NPS, TVA, state & county camps. Bicyclist! 14 year Army vet-11B40 then 11A - (MOS 1542 & 1560) IOBC & IOAC grad


DownTheAvenue

Sunny South

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Posted: 04/22/20 01:28pm Link  |  Quote  |  Print  |  Notify Moderator

The reality is what you will likely experience is repairs on items not covered by that warranty. Engine gaskets, alternator and power steering pump, and items other than "internally lubricated" engine parts. Likewise with the transmission. Having said that, you own a 5 year old heavy duty vehicle with 113,000 miles on the clock. It would be very tempting to purchase. Before you do, read and understand the actual policy, not the sales brochure. Many times you have significant requirements to get them to pay. Often you are responsible to take it to their repair facility which can be hundreds, if not thousands, of miles away. A wrecker bill could far exceed the cost of repair. Also, understand this is an insurance policy, not a warranty. Are in a financial position to pay for a repair that may cost several thousand? Or if you had to make a several thousand dollar repair would that put your RV out of service until you could save up that money? Remember you never insure anything that you can easily replace yourself. That is why you buy insurance for your house but not your toaster!

gbopp

The Keystone State

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Posted: 04/22/20 02:19pm Link  |  Quote  |  Print  |  Notify Moderator

If it does what it says it does, it would be worth buying.
Ask for a copy of the policy, read it and understand ALL the exclusions. You may be surprised to see what is not covered.

jdc1

Rescue, Ca

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Posted: 04/22/20 03:56pm Link  |  Quote  |  Print  |  Notify Moderator

Does it include the wire harness? Fuel injector pump? Injectors? It's gonna be an electrical mishap that kills that motor. The motor, trans and running gear will last 200,000+ miles. Your radiator will blow. A hose will blow. The trans cooler will blow. Then they'll say it's not covered because it was caused by...... Been there. I bought a dealer service contract for an 01 CTD. It covered all but......

bobndot

USA

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Posted: 04/22/20 04:40pm Link  |  Quote  |  Print  |  Notify Moderator

Lwiddis wrote:

No insurance company offers any RV policy where there is a high chance of valid claims.


Exactly [emoticon] They would not be in business if it wasn't in there favor.

Why would anyone buy something where its not in their favor to buy it ?
The person offering it to you doesn't own the extended warranty service contract company does he ?
NO, that's because that person is getting a commission as a salesman so the company can gain a profit.

I self insured myself back in 1988 by investing the face amount of money that people offered me to purchase extended warranties. All that invested money in that acct would have belonged to salesmen and service contract companies. Now its all mine. $ $$$,$$$ I have only had to use this acct 3x since 88' to make a repair that would have covered by one of those contracts. They are finely worded contracts with lots of wiggle room.

Hank85713

Tucson, Az

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Posted: 04/22/20 05:02pm Link  |  Quote  |  Print  |  Notify Moderator

its a **** shoot. We bought a 1 year old winnebago aspect with 4000 miles on it. I did buy the extended warranty stuff from camp world and 2 years later had a fuel pump go out and they paid almost all except for $700 worth. They did the tow, the roadside call etc. So it really is your call. check with camp world on their extended service plan 1st to compare.

it also covers tires?? I really dont know. Like most I dont buy these things but worked out I guess in long run.

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