I have a 1999 Winnebago 34Y. I just bought it used with 38K mileage. I am embarking on a trip and was curious as to how many of you carry the break down insurance. I was referring to the one Good Sams and Campers World offers. I know there are several companies out there.If you do, the company you are insured with and any pros and cons to share? If you broke down and used the insurance company, how was their treatment of yuour situation?

I use Winnebago Premium Roadeide Assistance.

Your best bet is to do a search on rv.net in the Class A forum. Here is a sample search with the query term "road service".

John

FrankieJ don't leave home without it. I have had Good Sam's and currently use Coach.net/Winnebago Premium. Its one and the same..Coach.net/Winnebago seems to be the service of choice. Used Good Sam's once and they were fine. Have not used coach net yet but understand they are good also. Have trained techs on duty 24hrs a day...Please have the service before you go, no matter which one you choose...Good Miles and

We have used the Winnebago/Coachnet policy for quite a few years. I have used the service primarily for my previous coaches. The services provided were/are easily worth the price and peace of mind. One of the benefits if you need a tow is that they send equipment that is capable of handling your vehicle and it is prepaid. If you are lucky you will never need them, just like any other insurance coverage.

Been using Coach Net for 7 years. Friendly customer service and very knowledgable.

I've used Good Sam for several years and have been quite satidfied, except for the last call. I had a blowout, but I had a mounted spare. They sent a truck from 40 miles away theat could not raise the corner of my motorhome high enough to get the new wheel past the driver's step. They had to send a second truck from about 5 miles away to complete the job. I don't know what the problem was or why they used a truck from so far away the first time. Dispatchers have always been courteous and helpful and over all I have not problems with the service. And I agree, I would not be without the service. I have also used it on a van that broke an alternator bracket and for a shot transmission in my driveway.

The entire concept of purchasing roadside emergency service "insurance", is something that has never made any kind of sense to me.

I have no idea what it costs these days, but I suspect that ranges in the area of $100+ per year. But kind of protection are you really paying for?? And in the very worst case scenario; what kind of financial disaster do you envision, in the absence of having emergency roadside insurance??

On balance, an average roadside assistance call might run anywhere from $100 to $200. But, how many times will you really need roadside assistance; not to mention that if the number excedes 2 in any one year, they'll probably cancel your "insurance" policy forever.

Reflecting upon some forty years of RVing experience; Rving for months at a time from coast-to-coast; we've yet to encounter so much as a single instance where any kind of roadside assistance would have provided us with so much as a miniscule benefit.

For sure . . . while I tend to advocate purchasing insurance to protect against the kind of losses most of us are ill-equipped to sustain! IMO, the entire roadside-"insurance" effort, is a mere scam; appealing to the more daft amoungst us!

quote:

appealing to the more daft amoungst us!

Wow there Stan, you are one rude individual. IMHO.
Just for your info sir, the Coachnet service is less than $100 US and it not only covers my MH but also my other vehicles. I have had occasion to use their service more than once in a calendar year and my rates have never gone up. They are always helpful and courteous and provide what I consider a very valuable service for the minimal price.

Stan:

It's pretty much like all insurance...you weigh the cost of the insurance against the potential cost of a loss without insurance...apparently, you are willing to assume the risk.

I have Good Sam and it paid off the first month of motorhome ownership. I had a fuel pump failure on my old '97 gasser at home while trying to get to my storage space....the nearest tow company with a big wrecker was 50 miles way, as was my RV repair guy. In trying to get my coach to 'coast' to a place where the tow truck could get to it, I ended up in a pretty tough place in a grassy field. Bottom line, it took 2 hours to get the MH in a position to tow, then a one hour tow to the shop. The tow operator said my cost would have been $400+ just for the tow...so the $79 I paid GS for the first year was a good deal.

I made one phone call and everything was taken care of....for me, it is worth it.