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In this guide, we’re going to talk you through everything you need to know about RV warranties
Camping and RVing holidays have seen a +30% increase in popularity over the last year. Thanks to this surge in popularity there are many more questionable warranty companies popping up all over the place.
This has prompted us to put this article together. This piece will help you safely choose the perfect warranty for your RV or motorhome.
We’ll be talking about what warranties are, where you can get one, and things you should be aware of when purchasing one. The subject of RV warranties is a surprisingly prickly debate amongst lovers of the vehicle.
Everyone has a story to tell – be it a horror story or rescue tales with a happy ending. Today we’re going to help you decide if getting a warranty is the right choice for you and your vehicle.
What is an RV Warranty?
Most of us are familiar with warranties as we can get them on almost anything. Your TV will have one, as will your microwave oven, and maybe even your toilet.
RV warranties are slightly different. These warranties, also known as extended service contracts, are more like RV healthcare insurance than a warranty. Rather than receiving a replacement when it breaks, like you would a toaster, RV warranties help you pay for the repairs.
You can get these types of warranties on both towable homes and motorized vehicles. They are typically bought at the same time as the RV is purchased. However, the rise of online RV warranty companies means that you can now purchase one of these warranties at any time.
A good RV warranty will cover all parts of your vehicle. When signing up read your agreement carefully, making sure areas like your air conditioning, leveling system, and refrigerator are covered.
The world of RV warranties can be very complicated, and there are many levels of warranty and insurance coverage. The good news is, we’ve narrowed it down for you, to the two most prevalent types of warranties.
Listed component RV warranty:
This is exactly what it sounds like. You are given a list of exactly what is covered by the warranty. If the part of your RV that fails is not on this list, then you will not be covered by your warranty.
Exclusionary RV warranty:
This is pretty much the opposite approach to the warranty above. Exclusionary RV warranties give you a list of the parts of the RV they do not cover. If the part of your RV that fails is not on this list, then you will be covered by your warranty. This is the most comprehensive type of coverage.
Important note:
RV warranties are not the same as an RV insurance policy. In fact, your warranties will be very specific about not covering any collision related problems. Your RV warranty is designed to cover any mechanical issues that occur from use, rather than outside influences or user error.
Your RV warranty will not cover any of the furniture or aftermarket editions to your RV. It will also not cover regular maintenance like oil changes or professional cleaning of the cabin.
Where can I get one?
There are two main places where you can purchase an RV warranty: an RV dealership or an online RV warranty provider.
Is one better than the other? This is not a simple question…
When you purchase your RV from a dealership it is highly likely that they will offer you an Extended Warranty on your RV. It will often be pushed heavily as being next to essential. Dealerships will often allow you to get surety on your RV. You must be in the process of purchasing an RV from the dealership to acquire their warranty.
However, many RV owners don’t know that they also have the option of choosing their own warranty from the hundreds of online warranty providers. You can purchase a warranty from an online provider at any point. Most RVs that are under 14 years and/or 100,000 miles will be able to find a warranty simply.
We would recommend getting a quote from both sources before you make a decision. There are so many factors that affect the cost of RV warranties that what you’re offered will vary greatly. The likelihood of either the dealership or the online provider always having a better offer is low. So make sure to research as many of your options as you can.
What you should be aware of?
A good warranty provider will give a copy of the full warranty and contract before they ask you to sign anything. You will want to take your time and read the small print. If the company is reluctant to show you the contract or outright refuses to show it to you, walk away.
We would also recommend creating a list of everything you want from your coverage. This way as you read the contract you can cross off what it does and doesn’t offer.
There are a few fantastic websites that will allow you to compare multiple warranty options at once. We recommend taking advantage of these types of systems. They will enable you to find the best deal and coverage for your vehicle.
When should you purchase one?
If you have decided that an RV warranty is for you then you should purchase one as soon as possible.
Traditionally, an RV warranty would be purchased at the same time as the RV. And most commonly purchased directly from the dealer.
The internet has changed this. Now it is possible to purchase warranties from online providers. These warranties do not have to be purchased at the same time as the RV. These warranties tend to be more personalized to your vehicle.
Looking at the dealer’s warranty as well as online is the easiest way to secure yourself the best deal. Remember to do your research and make sure to get as many quotes as possible before committing to one contract.
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