Sample Mechanical Breakdown Warranty Contract: Fifth Wheels and Travel Trailers

Sample Contract: Fifth Wheels and Travel Trailers
Good Sam Extended Service Plan Gold

Sample Policy for Fifth Wheels and Travel Trailers

COVERAGE SECTION

These Terms and Conditions of the Master Policy issued to the Good Sam Club and Your Evidence of Insurance (hereinafter referred to as the Coverage) are between the Good Sam Club (hereinafter referred to as WE, US and OUR), our insurance company, and the Purchaser (hereinafter referred to as You and Your), and provides Coverage recorded for the term as stated in the Evidence of Insurance. This Coverage constitutes Your entire agreement and supersedes any and all previous agreements whether written or oral and any other representations made by anyone in any form.

The limits, terms, and conditions of Your Coverage are important. You should read and understand the terms and conditions below.

MECHANICAL BREAKDOWN COVERAGE

We will provide payment to Your Repair Facility or reimburse You for reasonable costs of labor and materials (approved and receipted) to repair or replace any of the covered parts under this Coverage if required due to Mechanical Breakdown. A “Mechanical Breakdown or Breakdown” is defined as failure of a defective covered part or faulty workmanship of a covered part as originally supplied by the manufacturer and under normal service. A covered part has failed when it can no longer perform the function for which it was designed solely because of its condition and not because of the action or inaction of any non-covered parts. Replacement will be made with like kind and quality to include rebuilt or remanufactured parts. Parts may be upgraded to “new” at owner’s expense. Coverage includes fluids (excludes fuels) when required as part of a covered repair. Coverage includes manufacturer’s deductible when paid by the contract holder for a covered repair. You must maintain Your Vehicle in accordance with the service requirements set forth in these Terms and Conditions to keep this Coverage in force. Evidence of proper service will be required in the event of a claim.

In the event of a Mechanical Breakdown, You must pay the deductible as stated in the Evidence of Insurance for each visit and pay for any non-covered expenses. Freight and shop supplies are covered in conjunction with a covered repair to a combined maximum of $50.00.

TRIP INTERUPTION

You will be reimbursed for up to ten (10) days of (receipted) expenses for meals and lodging incurred by You and Your family while staying at a hotel/motel or campground case a Mechanical Breakdown causes a delay en route. To qualify for this benefit, you must not be able to utilize Your fifth wheel or trailer due to a Mechanical Breakdown covered under this Coverage and You must be more than one hundred (100) miles from home, unless your trailer is your sole domicile.

The covered period will begin on the date of the Mechanical Breakdown and one (1) day of travel benefits will be paid for each eight (8) hours, or portion thereof, of authorized labor time required to complete the repairs. Up to two (2) days will be included in the event an inspection by an outside source is required to determine if repairs are covered under this policy. No travel benefits will be paid for delays beyond the control of the repair facility, such as waiting for parts shipments. Expenses will be reimbursed up to $100.00 per day for meals and lodging.

SERVICE CALLS In the event of a Breakdown of a covered part, We will reimburse You for actual (receipted) expenses for a service call, not to exceed $50.00 per occurrence, in addition normal parts and labor charges.

COVERED COMPONENTS

Coverage applies only to the component groups listed herein.

WATER HEATER/BOILER ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer.
WASTE SYSTEM ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: Whirlpool, jetted, or spa type bath systems and related accessories.
FRESH WATER SYSTEM ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: Water filters.
ROOF OR BASEMENT AIR CONDITIONING ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: Duct works.
RANGE AND OVEN ASSEMBLY – (Gas, Electric, Convection, Microwave) Covers all parts as originally supplied by the coach manufacturer, except for the following: Doors, handles, racks and cabinets.
L.P. GAS SYSTEM ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: LP gas.
COACH HEATING SYSTEM ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: Duct works.
REFRIGERATOR ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, includes the refrigerator icemaker, except for the following: Doors, door seals, handles, shelves and cabinets.
AUXILIARY POWERPLANT/GENERATOR ASSEMBLY - Covers all parts as originally supplied by the coach manufacturer, except for the following: Spark plugs, spark plug wires, distributor cap, ignition rotor, injectors, exhaust systems, belts, hoses and all wiring.
ELECTRICAL ASSEMBLY - Covers all electrical parts as supplied by the coach manufacturer, except for the following: All wiring or fiber optics, light bulbs, lenses, cable systems, telephone system and any after-market navigational systems.
BRAKE ASSEMBLY – Covers all parts, except for the following: Brake controllers, brake rotors, brake pads, brake linings or shoes.
SUSPENSION ASSEMBLY – Covers all parts, except for the following: Bent axles or springs due to fatigue, impact, or overloading.
LANDING JACKS, LEVELING OR STABILIZING JACKS, LIFT CRANK – Covers all parts.
DELUXE COMPONENT COVERAGE – Covers all parts of stand-alone freezer, dishwasher, washer/dryer, stand-alone icemaker, electric fireplace, electrical components of a central vacuum system and trash compactor, except for the following: Doors, door seals, handles, shelves, cabinets, and all wiring.
SLIDE OUT ROOM UNIT (S) – Covers all parts, except for the following: Wooden or metal structure, slide-out room(s) weather seals, sealing boots and awnings and their associated parts.
POWERSTEP SYSTEM – Covers all parts.
ENTERTAINMENT PACKAGE - Covers all built-in electronic audio/visual devices, except for the following: Personal computers, flat panel display televisions larger than 32 inches, or any part or component not originally supplied by the coach manufacturer. Repairs will be made in accordance with the manufacturer’s guidelines.

SEALS AND GASKETS are covered for all of the components listed above--for units with 7 model years old or less when the claim is filed.

WHAT IS NOT COVERED

Any pre-existing problems that are present prior to the purchase of this Coverage whether known or unknown. The condition of the covered part(s) in question will be assessed to determine time of initial breakdown.
Gradual reduction in operating performance due to wear and tear. The policy’s intent is to provide coverage for sudden and unforeseen breakdowns.
Mechanical Breakdowns outside the United States and Canada.
Any loss resulting from inadequate amounts of coolant, lubricant, or fluids.
Any breakdown on a unit used for off-road use, rental use, or delivery purposes, or by overloading the trailer beyond the maximum GVW rating listed on the identification tag on the unit.
Mechanical Breakdowns covered by manufacturer’s warranty, manufacturer’s recall, or factory bulletins, (regardless of whether or not the manufacturer is doing business as an ongoing enterprise), any other Service Agreement, repairer’s warranty, written warranty, or any valid and collectable insurance policy.
Damage to a non-covered part by a covered part(s) or to a covered part by a non-covered part(s) failure.
Any covered part which is not broken down but which a repair facility recommends or requires be repaired or replaced. Suggested or necessary upgrades or replacements are not covered.
Any loss or damage to the overall structure both internal and external, including but not limited to Frames, Bumpers, Walls, Floor, Roof, Siding, Doors, Remote or manually actuated panels or covers, Windows, Glass, Weather stripping and moldings, Cabinets, Counter Tops and Integrated Sinks, Carpet, Beds, Awnings and their associated parts, Batteries, Fuses, Tires, Wheels. (Structure materials can be either wood, metal, rubber, fiberglass, glass or any other structural product).
Any loss caused by improper or contaminated fuel or other fluids.
Any loss due to continued operation in a failed condition.
Any loss caused by negligence, misuse, abuse, impact or collision damage or from any other cause whatsoever, except as provided under this Coverage.
Any repair for the purpose of correcting the engine compression or correcting oil consumption when a Mechanical Breakdown has not occurred. Valve grinding and/or worn rings are not covered. De-carbonization is not covered.
Any replacement costs of filters, fluids, sealing boots, and seals or gaskets, except as provided under this Coverage.
Any loss caused by any alterations not meeting manufacturer’s specifications.
Any unit with a “branded” title including but not limited to salvage, rebuilt, restored, refurbished, totaled, and any units previously owned by FEMA (Federal Emergency Management Agency).
The replacement of an entire system due to obsolescence or unavailability of the failed covered part(s).
Alignments, adjustments, tune-ups, fuels.
Any damage or failure resulting from rust, corrosion or freezing.
Any damage or failure resulting from Acts of God, power surges, collision, upset, or any damage from a non-covered source.

LIMIT OF LIABILITY

The total of benefits payable to You and the liability of Our insurance company under the Terms and Conditions of the Master Policy of Insurance issued to the Good Sam Club shall in no event exceed the average retail value listed in the most recent edition of the NADA Recreation Vehicle Appraisal Guide for Your vehicle.

OUR LIABILITY TO YOU AND THE LIABILITY OF OUR INSURANCE COMPANY FOR INCIDENTAL AND CONSEQUENTIAL DAMAGES INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, DAMAGE TO A NON-COVERED PART(S), LOSS OF USE TO DESCRIBED VEHICLE, LOSS OF TIME, INCONVENIENCE, AND COMMERCIAL LOSS RESULTING FROM THE OPERATION, MAINTENANCE, OR USE OF THE DESCRIBED VEHICLE OR FROM THE BREACH OF ANY IMPLIED WARRANTIES ARISING BY OPERATION OF LAW, IS EXPRESSLY EXCLUDED.

IN THE EVENT OF BREAKDOWN

Follow These Claim Procedures:

Call Us for instructions prior to proceeding with repairs. (We reserve the right to inspect all repairs to determine coverage).
Present the Evidence of Insurance, Terms and Conditions, and required Maintenance Records to the Repairing Dealer.
Prior to proceeding with repairs, ensure the Repairing Dealer calls Us with an estimate of repairs and receives an authorization number from Us.

NATIONAL CLAIMS NUMBER: (XXX) XXX-XXXX - Hours: 8:00 AM to 5:00 PM Mountain Time, Monday – Friday

IMPORTANT!

You assume all liability for payment of unauthorized repairs and benefits.
Liability for teardown rests with You on non-covered parts.
You must submit each claim, with supporting documentation and proper maintenance records to the repairing facility and the Administrator, within ninety (90) days after the failure date of each claim in order for a claim to be eligible for coverage consideration pursuant to this Coverage.

YOUR RESPONSIBILITIES

To receive the full benefits of this Coverage, You must at Your expense:

Have the vehicle serviced as recommended by the manufacturer. Failure to perform the aforementioned maintenance will result in claim denial.

Keep a record of maintenance validated (signed and stamped) by the licensed repair facility, and keep receipts and work orders showing date and service performed. For services done by You, keep a personal maintenance record with date and services performed including any receipts for products purchased to carry out that aforementioned maintenance. Failure to retain receipts and supply them to the claims office, when requested, will result in claim denial.

CANCELLATION / TRANSFER

This Coverage applies only to You and the unit described in the Evidence of Insurance. In the event of cancellation of this Coverage within 30 days of the purchase of the Coverage, We agree to refund the full purchase price to You, less any claims paid or approved. If this Coverage is canceled beyond 30 days from the date of purchase of the Coverage, We will calculate and make a pro rata refund based on time, less an administrative fee of $50.00. Any lien holder will be named on the cancellation refund check as their interest may appear. All requests for cancellations must be received in writing, and must include the Evidence of Insurance and the signature of the contract holder. We may cancel this Coverage for: 1) Non-payment of the premium. 2) Intentional misrepresentation or fraud in obtaining this Coverage or in the submission of a clam.

Transfers: In the event this Coverage is not canceled, it may be transferred to an individual for non-commercial use to whom You sell the vehicle while this Coverage is in force. This can be done only if You send the Administrator copies of the validated (signed and stamped by the licensed repair facility) maintenance record for the required servicing, and the name and address of the new Purchaser within 30 days of change in ownership. If any portion of the premium remains unpaid at the time of the transfer, the new Purchaser must agree in writing to assume the responsibility for payment of the balance of the premium.