Warranties vs. Mechanical Breakdown Insurance

Comparison Chart

Manufacturer Warranty Extended Warranty Good Sam Extended Service Plan
Available for both used and new RVs No Yes Yes
Included in the RV's purchase price Varies Varies Yes*
Covers parts and labor Varies Yes Yes
Charges deductible per occurrence
(versus per item)
N/A Varies Yes
Transferable (without fees) Varies Yes Yes
Duration of coverage controlled by the customer No No Yes
Customized Plans with Deductible Options N/A Yes Yes
Freedom to Choose RV Repair Center Varies Varies Yes
No overlapping other warranties Varies Yes Yes
Travel Expenses Covered No Varies Yes**
Backed by the Good Sam Club No No Yes
Single Year Option No No Yes
Government Regulated No No Yes

* For Good Sam Extended Service Plan, towable RVs must be 15 years old or newer, gas motorhomes, cars, trucks, and SUVs must be 15 years old or newer with less than 100,000 miles and rear engine diesel motorhomes must be 15 years old or newer with less than 120,000 miles.
** With the Good Sam Extended Service Plan, travel expense benefits include up to $100 a day toward your lodging and meals for up to 5 days if your vehicle is unusable due to a covered loss and we will cover up to $60 a day for 5 days if your motorhome, car, truck or SUV is in the shop for a covered repair.

What is a Manufacturer's RV Warranty?

A manufacturer's warranty guarantees that the manufacturer will fix repairs that stem from defective materials or improper manufacturing. Usually every RV comes with multiple warranties. Each individual component, like the refrigerator, can have its own specific warranty. Motorhomes, for example, typically have two or more separate warranties—one for the coach and one or more for the chassis components.

What is an Extended Warranty?

An extended warranty, also known as a service contract or extended service contract, is sold separately by the dealership and covers components after the original manufacturer's warranty expires. It can be backed by the Dealer or by the plan administrator.

What to review in an Extended Warranty and Service Contract

  • Cost of the service plan
  • Term limits
  • Exclusions (unless expressed explicitly, an item is not covered)
  • Pre-approval process—is it realistic to follow authorization requirements when you're on the road?
  • Overlap of original warranty
  • Deductibles and increases in charges for usage
  • Transfer or cancellation fees if you sell your RV
  • Restrictions on service locations
  • Timeframe of eligibility to purchase service plan
  • Who is the underwriter, if anyone?

What is Mechanical Breakdown Insurance?

Good Sam Extended Service Plan is not an RV warranty program; it is insurance against a mechanical breakdown. Similar to home owner's insurance and automobile accident insurance, mechanical breakdown insurance is a policy written to cover parts, labor and repairs to vehicles.

Good Sam Extended Service Plan is strictly regulated and fully insured by an A+ rated underwriter. It complies with stringent insurance regulations. Learn more about Good Sam's Mechanical Breakdown insurance underwriter, QBE Europe Insurance Ltd.

For vehicles still with manufacturer's warranty remaining, our Plan seamlessly dovetails with the original manufacturer's warranty. When each of the original manufacturer's warranties expires, you can be assured that you have continuous coverage. Also, with Good Sam Extended Service Plan, you get travel benefits from day one (these benefits help pay for rental car/ hotel/ dining expenses when your RV is being repaired in the shop).

Perhaps most importantly, Good Sam Extended Service Plan is backed by the Good Sam Club.

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Warranties Vs. Mechanical Breakdown Insurance

Warranties Vs. Mechanical Breakdown Insurance

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