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Old 07-29-2014, 05:17 PM   #11
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I guess decisions like road-side assistance are impacted by our personality, our life experience (I work in Canadian criminal justice - decidedly anti-risk taking) and our skill set (I'm not mechanical) so usually opt to "over cushion" as can be seen by our choice in tug, earlier questions about getting reservations ahead of time, getting replacement insurance and indeed by our purchasing a brand new fiberglass trailer (sorry for this run-on-sentence )

So based on the above we will likely purchase road side assistance. However, it will cost a bit more then 20.00 since BCAA only offers RV coverage on its' second and third level memberships and we will need to bump up our BCAA level.

Larry

Added: I was told that ICBC would give us "book value" if we went with their insurance rather then replacement cost. That got me real twitchy and triggered me restarting this thread. I'm thankful for the interaction.
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Old 07-29-2014, 05:22 PM   #12
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With my discount for not calling them for assistance, and the points I earned by buying gas at Husky/Mowhawk, the BCAA membership cost me $111 total.
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Old 07-30-2014, 01:11 AM   #13
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What about the US folks? I'm just now looking at insurance for the Lark when it moves to the west coast. I'm sure it will like the warmer winters. State Farm quoted me 124 a year but I think I need to call back and ask a few more questions. Road side assistance? Any advice?
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Old 07-30-2014, 01:25 AM   #14
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You need to talk to your agent. Does the State Farm policy include liability? How much? My liability insurance is provided by ICBC ( government insurance company ) along with my licence plate fees. I have the rest of my insurance through a private company. That comes to about $350 ( including the plates ).
Is that replacement cost insurance and what do they mean by that? My replacement insurance will replace my 2008 with a new Escape 17B. That obviously increases the cost of the policy.
Even though we are in different countries, I can't imagine $124 providing you with the coverage that you want.
Road-side assistance is separate.
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Old 07-30-2014, 03:14 PM   #15
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Next year I'm changing from BCAA to Good Sam for Roadside assistance. The coverage is just as good if not better than BCAA
and it's less expensive. I was told by an RV owner that when they called Good Sam for assistance, when the tow truck driver arrived he stated that if they had 2 calls come in at the same time from AAA and Good Sam they would respond to the Good Sam call first because they are paid more promptly. Second hand info but interesting.
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Old 07-30-2014, 03:27 PM   #16
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I don't know about Good Sam, but a contract driver for BCAA told me that they get very little for a call and that they have to take the assignment.
Which is how BCAA keeps premiums down.
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Old 08-03-2014, 10:25 AM   #17
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Replacement insurance

Our Scamp is totaled - Fiberglass RV

Fiberglass Forum has a sad thread about a 1 year old Scamp that got rear-ended and reportedly is "totaled." This gives credence to getting replacement coverage.

I phoned our insurance company and was quoted 600.00 a year for full replacement. Liz is following up with Barton Ins to see what they quote using Aviva. So the process continues....
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Old 08-03-2014, 12:21 PM   #18
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Yes, I was involved in an 'accident' within hours of picking up my trailer (17') a few years back. As I was leaving a gas station, a young girl apparently saw my car pass her and started to back up without looking and ran into the trailer. She cracked the door, gouged the side, and ripped off the awning stanchion. Thank goodness it wasn't too bad so I patched things up until I got home. I called around to boat and RV repair shops and settled on a smallish shop who said they were familiar with Casitas and they did the work. They had to order a new door from Escape which took a few weeks to get. The workmanship was fine but the door has a small gap at the bottom.
Before we left to pick up the trailer, we started the insurance on the trailer and added it to our existing automobile policy through GIECO. When I first reported the accident, they acted a little weird, wanting to know exactly when we started the policy vs when we picked up the trailer. I'm not sure why since they said I had 2 weeks to start the policy AFTER picking up the trailer but after a few conversations, that was never brought up again. GEICO reimbursed my for the few parts I paid out of pocket and paid the repair shop directly which came to almost $5000. The girl was uninsured and GEICO waived all deductibles (I'm not sure why) so I was not out any money but had LOTS of aggravation.
So overall, I had a good experience dealing with GEICO; they were prompt and tended to my needs. They let me select the shop to take it to (without question) and paid promptly.
As for selecting the shop, I think that is hit or miss. A few places I read, said to take it to a boat repair shop. We don't have many local (I would assume due to environmental regulations in the San Francisco Bay Area) and they didn't want to work on it. Most RV shops were more stick and skin type and either didn't want to work on fiberglass or I didn't get a good feeling they we competent to. When we went to talk to the shop I ultimately selected (before dropping off our trailer), we saw a Casita sitting there so that gave us some confidence. My only recommendation is to talk to them by phone to weed out the obvious bad ones and then go in person to see the shop and see if they are really capable to fix fiberglass.

Ben

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