Good Sam Insurance for trailer policy - Escape Trailer Owners Community

Go Back   Escape Trailer Owners Community > Escape Tech > Problem Solving | Owners helping each other
Click Here to Login
Reply
 
Thread Tools Display Modes
 
Old 08-18-2014, 05:47 PM   #1
Commercial Member
 
tractors1's Avatar
 
Join Date: Apr 2014
Location: Hillsboro, Oregon
Trailer: 2014 Escape 21 - "Felicity"
Posts: 2,323
Good Sam Insurance for trailer policy

Good Sam rep told me on the phone that they have no way of sending me a copy of their standard policy unless the insurance is "bound", which actually means AFTER I buy it. I actually read contracts before I sign them, so I'm curious if anyone who has Good Sam could email me a copy of their policy terms. Their rates are a bit better than if I bought coverage from my auto insurance supplier, but I'm leery of buying anything without knowing what I'm paying for - impossible to compare cost vs benefits without reading the contracts.
__________________

__________________
Charlie Y

Need custom storage to your design? Don't drill holes!
www.RVWidgetWorks.com
tractors1 is offline   Reply With Quote
Old 08-18-2014, 06:40 PM   #2
Site Team
 
cpaharley2008's Avatar
 
Join Date: Jun 2010
Location: York, Pennsylvania
Trailer: 2016 2ndGen Escape 19' PRAIRIE SCHOONER pulled by 2014 Ram Hemi/8sp
Posts: 13,652
I think mine was only $124/year added to my auto policy, how much lower is GS?
__________________

__________________
Jim
The two most important days in your life are the day you were born and the day you find out why………..Mark Twain
cpaharley2008 is offline   Reply With Quote
Old 08-18-2014, 07:16 PM   #3
Senior Member
 
MarksAlot's Avatar
 
Join Date: Dec 2013
Location: Clovis, California
Trailer: 2014 Escape 19
Posts: 328
How could any reputable company expect anyone to buy what they're selling without seeing and agreeing to the terms before you buy it?

My trailer endorsement on my truck policy cost nothing extra and it covers the trailer and its contents.

I'd ask to speak to his/her supervisor. If you get the same, look elsewhere for your coverage.

Just sayin...
__________________
Don't make excuses for failure, seek ways to succeed.

Mark
Blizzy and Dakota (Da Boyz)
MarksAlot is offline   Reply With Quote
Old 08-18-2014, 07:24 PM   #4
Senior Member
 
gbaglo's Avatar
 
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B - "Toad". '08 Toyota RAV4 V6
Posts: 10,715
Mark,

I'd read the small print if I was you. I've never heard of an insurance company handing out extra coverage for free and I can't imagine them replacing your 19 ( maybe if it was stolen with the tow vehicle attached? ).
__________________
2009 Escape 17B "Toad"
2008 Toyota RAV4 V6 Sport
North Vancouver, British Columbia

What happens to the hole when the cheese is gone?
- Bertolt Brecht
gbaglo is online now   Reply With Quote
Old 08-18-2014, 08:14 PM   #5
Senior Member
 
MarksAlot's Avatar
 
Join Date: Dec 2013
Location: Clovis, California
Trailer: 2014 Escape 19
Posts: 328
Yup. I read all the verbage of my policy. It's there. Even my chemo-scrambled brain got that.

Insurance companies have always been known for short changing claims. You won't know until you need them. Best policy is to not need them, but its somewhat helpful to at least to have a policy with a well-known insurer.

Didn't need 15 minutes to save hundreds on my car insurance. :
__________________
Don't make excuses for failure, seek ways to succeed.

Mark
Blizzy and Dakota (Da Boyz)
MarksAlot is offline   Reply With Quote
Old 08-18-2014, 11:38 PM   #6
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 9,034
Quote:
Originally Posted by gbaglo View Post
I've never heard of an insurance company handing out extra coverage for free and I can't imagine them replacing your 19 ( maybe if it was stolen with the tow vehicle attached? ).
Our insurance company listed our trailer at no extra cost... but I assume we have only liability coverage, not collision repair of the trailer. Contents should covered as personal property under the household policy, just as if they were in the van.
Brian B-P is offline   Reply With Quote
Old 08-18-2014, 11:42 PM   #7
Senior Member
 
gbaglo's Avatar
 
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B - "Toad". '08 Toyota RAV4 V6
Posts: 10,715
A pertinent question. Is the policy in effect when the trailer is detached from the tow vehicle?
__________________
2009 Escape 17B "Toad"
2008 Toyota RAV4 V6 Sport
North Vancouver, British Columbia

What happens to the hole when the cheese is gone?
- Bertolt Brecht
gbaglo is online now   Reply With Quote
Old 08-19-2014, 12:14 AM   #8
Senior Member
 
float5's Avatar
 
Join Date: Nov 2010
Location: Denison, Texas
Trailer: 2015 21'; 2011 19' sold; 4Runner; ph ninezero3 327-27ninefour
Posts: 4,898
A trailer is covered for as much as you cover it for, which can include sitting in storage or being towed. You basically get what you pay for. Some companies will replace your trailer with a new one if it is a total loss in collision, fire or however. That is to say, it will be replaced with the newest version of that trailer with the options it had when bought, as opposed to being replaced with one that is equal to the value of it by its year made. That newest version replacement coverage is only done in the first five years and, of course, you pay for that far more than your auto carrier would charge. (Don't know that auto carriers have such coverage.) In general, an RV insurance company will insure more and you pay much more for the added coverage.
__________________
Cathy. Floating Cloud
"Live in the sunshine, swim the sea, drink the wild air.... "
Emerson
float5 is offline   Reply With Quote
Old 08-19-2014, 12:35 AM   #9
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 9,034
Quote:
Originally Posted by gbaglo View Post
A pertinent question. Is the policy in effect when the trailer is detached from the tow vehicle?
Mine? Presumably no, since it is for third-party liability... I don't think there's much harm the trailer can do to anyone else while it's parked.
Brian B-P is offline   Reply With Quote
Old 08-19-2014, 01:03 AM   #10
Commercial Member
 
tractors1's Avatar
 
Join Date: Apr 2014
Location: Hillsboro, Oregon
Trailer: 2014 Escape 21 - "Felicity"
Posts: 2,323
I read through the basic Good Sam policy a forum member sent; pretty much standard stuff - nothing special good or bad. Biggest surprise is the top holding company is General Motors! Just weird they don't put it up on their website.
__________________

__________________
Charlie Y

Need custom storage to your design? Don't drill holes!
www.RVWidgetWorks.com
tractors1 is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off






» Virginia Campgrounds

Reviews provided by



All times are GMT -5. The time now is 10:38 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Copyright 2012 Social Knowledge, LLC All Rights Reserved.