RV Insurance Frequently Asked Questions
If you don’t find the recreational vehicle insurance information you’re looking for here, please call 1-888-514-1116 for a free quote on specialized RV coverage and a friendly RV expert will be happy to answer any questions.
- I have to wait until my current insurance policy expires? I’d like to switch to the specialized RV insurance only available through Good Sam VIP, but I just renewed my current policy?
- Do I have to pay for full RV coverage even during the months I’m not using my RV?
- Does Good Sam VIP provide coverage for my RV’s permanent attachments and accessories?
- What amount of recreational vehicle coverage do need?
- What makes Good Sam VIP my best choice for recreational vehicle coverage?
- How do I reduce my RV insurance premium?
- Does my recreational insurance policy cover all of the drivers in my household?
- How do I make changes to my recreational vehicle insurance policy?
- Will Good Sam VIP provide the protection I need if I live in my RV full time?
- Will I be covered if I travel to Mexico in my RV?
- A fellow RVer is still making payments on an RV that was totaled. Can Good Sam VIP help keep this from happening to me?
- I have to wait until my current insurance policy expires? I’d like to switch to the specialized RV insurance only available through Good Sam VIP, but I just renewed my current policy?
Switching to the Good Sam Vehicle Insurance Plan is easy, and you can do it any time you like. Just take a few minutes to get a free quote and buy online, or call 1-888-514-1116 and mention Savings Code VB-80. Once you’ve purchased VIP’s specialized recreational vehicle coverage that no RVer should be without, simply cancel your other policy. We can even help you do it right over the phone, and your other insurer will refund any unused premium you’ve paid for your now-canceled policy.
- Do I have to pay for full RV coverage even during the months I’m not using my RV?
You can reduce your premium by an average of 53% when you’re not using your RV. With the Good Sam VIP Storage Option, you can “turn off” the coverages you don’t need during the months you’re not using your motorhome, fifth wheel, or trailer. You will still be protected from hazards like theft, fires, and storms. Just six months of the exclusive Storage Option could save you up to $400!
- Does Good Sam VIP provide coverage for my RV’s permanent attachments and accessories?
Attachments and accessories like awnings, levelers, tow kits and antennas are covered for the full amount it would cost to replace them – at no extra charge.
- What amount of recreational vehicle coverage do need?
Deciding on the coverages that are best for you and your motorhome, fifth wheel, truck camper or trailer can seem daunting, but the RV experts at Good Sam VIP will make it easy for you. Just try the free online quote form, or call 1-888-514-1116 and mention Savings Code VB-80 and a friendly representative will quickly help you choose the RV coverages that are right for you. Here are some factors that need to be considered when determining the right RV insurance at the right price:
Recreational Vehicle Type
Bigger RVs can cause more damage to other vehicles. Custom motorhomes may incur higher repair bills. Be sure to get coverage that is adequate for your type of RV.
Storage Option
The Good Sam VIP Storage Option allows you to suspend the collision and liability coverages you don’t need during the months your RV is not on the road. This can reduce your premium by an average of 53% when you’re not using your RV. Comprehensive coverage remains in effect to protect you from hazards like theft, fires, and storms.
Deductibles and Coverage Limits
Be sure to choose a deductible and coverage limits based on how much you can realistically pay out of your own savings in the event of a claim. While a higher deductible and lower coverage limits can result in a lower premium, paying a bit more for your recreational vehicle insurance with a lower deductible and higher liability limits could save you much more money in the long run.
Leased or Financed Vehicles
Insurance requirements for motorhomes, trailers, and fifth wheels that are financed or leased can be different from the insurance required for a recreational vehicle that you own outright. So that you don’t have to pay the full cost of an RV that is involved in an accident or other claim, you may be required carry a certain level of coverage. Once you’ve paid for the RV in full, you may be able to change your coverage options to suit your preferences.
State Requirements
Your home state will have its own minimum RV insurance requirements. Your state’s Department of Motor Vehicles can provide details.
- What makes Good Sam VIP my best choice for recreational vehicle coverage?
The Good Sam Vehicle Insurance Plan was designed by the RV experts at Good Sam and GMAC Insurance – America’s #1 RV Insurance Specialist1 – to provide specialized coverages that meet the specific needs of the RV lifestyle.
While most “ordinary” auto insurers treat your RV like it’s just a big car, the Good Sam Vehicle Insurance Plan provides the coverages that no RVer should be without, like Personal Effects Coverage, Permanent Attachments Coverage, Optional Full Replacement Cost Coverage, and Hitch Coverage. Check out RV insurance versus auto insurance to learn more.
- How do I reduce my RV insurance premium?
The Good Sam Vehicle Insurance Plan is loaded with ways to ways to save, including discounts for:
- Being a Good Sam Club Member,
- Paying your premium in full,
- Putting your RV and auto on one policy,
- Using the Storage Option when your RV is not in use,
- Insuring your house, apartment or condo through the GMAC Insurance Homeowners Program,
- Being a safe driver,
- Having safety and anti-theft devices,
- And much more...
- Does my recreational insurance policy cover all of the drivers in my household?
All of the drivers that you listed when you bought your recreational vehicle insurance policy will be covered. Please call 1-888-514-1116 if you have any questions about listing drivers on your policy.
- How do I make changes to my recreational vehicle insurance policy?
Once you’ve purchased a policy through the Good Sam Vehicle Insurance Plan, you can create an account online and manage your policy whenever you wish. It only takes a few minutes to go online and:
- Pay your bill
- Print RV insurance policy documentation
- Get information regarding claims
- Change your RV insurance deductibles and coverage limits
- Remove or add or RVs and drivers
- Update your contact information and billing address
- Order forms
- Will Good Sam VIP provide the protection I need if I live in my RV full time?
Yes. The Good Sam Vehicle Insurance Plan features Full-Timer Coverage designed to provide protection similar to a homeowners policy for RVers who live in their recreational vehicles.
- Will I be covered if I travel to Mexico in my RV?
Because U.S. recreational vehicle insurance policies are not usually adequate to protect you under Mexican law, the experts at Good Sam VIP will help you get Mexico insurance through approved Mexico insurance professionals.
Please do not go RVing in Mexico without the proper coverage! Contact us for more information.
- A fellow RVer is still making payments on an RV that was totaled. Can Good Sam VIP help keep this from happening to me?
Yes. With Good Sam VIP’s Optional Full Replacement Cost Coverage, if your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price – not a depreciated amount – toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV's model year or within the following four years. Try to get that peace of mind from “ordinary” auto insurance!
1
Based on results from an independent study conducted by URI Information Services and Dr. James E. Fisher, St. Louis University. America’s #1 refers to GMAC Insurance.
Eligibility, benefits, discounts and coverages may vary.
Underwritten by these member companies of the GMAC Insurance Group, Winston-Salem, NC: National General Ins. Co., National General Assur. Co., MIC General Ins. Corp. and GMAC Ins. Co. Online, Inc. Coverage not available in HI and MA. Coverage in NJ provided by High Point Property and Casualty Ins. Co. which is not affiliated with GMAC Ins. Some features may not be available.
Underwritten by National General Ins. Co. in TX and WA.
RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with GMAC Ins. Underwriting approval required.
$349 amount is based on nationwide data from new RV policyholder surveys from October 2, 2009 to March 29, 2010.
Homeowners coverage is provided by member companies of the Homesite Ins. Group which is not affiliated with GMAC Ins.
Eligibility, benefits, discounts and coverages may vary.
Underwritten by these member companies of the GMAC Insurance Group, Winston-Salem, NC: National General Ins. Co., National General Assur. Co., MIC General Ins. Corp. and GMAC Ins. Co. Online, Inc. Coverage not available in HI and MA. Coverage in NJ provided by High Point Property and Casualty Ins. Co. which is not affiliated with GMAC Ins. Some features may not be available.
Underwritten by National General Ins. Co. in TX and WA.
RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with GMAC Ins. Underwriting approval required.
$349 amount is based on nationwide data from new RV policyholder surveys from October 2, 2009 to March 29, 2010.
Homeowners coverage is provided by member companies of the Homesite Ins. Group which is not affiliated with GMAC Ins.
Store your RV for extended periods and save. Learn more.
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The greatest RV event in the world is coming to Louisville, KY July 22-25!
Come visit us in
booth #240
It's free. And it only takes a few minutes.
or call 1-888-514-1116
to speak with an agent directly.
Be sure to mention Savings
Code VB-4D to get the best rate.
to speak with an agent directly.
Be sure to mention Savings
Code VB-4D to get the best rate.