Good Sam

Good Sam Vehicle Insurance Plan (VIP) is designed by RVing experts to provide coverage and peace of mind for a safe and rewarding RV experience.

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9.4
Grand Score
8
User Score
9.4
Grand Score
8
User Score
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Adventure is calling and the open roads of the US, Canada, and Mexico await exploration.  Heading out in an recreational vehicle, or RV, is the best way to maximize your ability to travel where you wish and still have all of the comforts of home.  

However, it is important to make sure you are covered when you are far from home.  Standard auto insurance or even specialty auto coverage can leave you with gaps in protection. RV insurance blends aspects of homeowners and auto coverage to provide you with peace of mind when on the road and at the campsite.  

Good Sam Vehicle Insurance Plan (VIP) is a partnership between Good Sam Club, a RV club with over 1.7 million members and leader in the community for over 40 years, and National General Insurance.  Good Sam is dedicated to making RVing a safe and rewarding experience by providing information, discounts, and community support.  

Good Sam VIP understands the many ways individual policy needs change when traveling for vacation, seasonally, or as a full time RVer and designs coverage to match those priorities.  

 

Grandfolk Scoring
Price 10/10
Customer Service 10/10
Levels of Coverage 10/10
Mexico Coverage 7/10
Discounts 10/10
Storage Discount 10/10
Vehicle Type Coverage 10/10
Personal Effects Coverage 8/10
Price
Annual premiums
Based on a number of factors regarding driver, vehicle, and add on coverage. Discount history and storage savings promote a company focused on saving the policyholder money.
Customer Service
Service availability
Manage your account securely online 24/7. Pay bills, make policy changes, and submit claims wherever and whenever.
Levels of Coverage
Standard coverage
Standard coverage with multiple specialty options available as add ons.
Mexico Coverage
Coverage in Mexico
No coverage but will assist in obtaining proper coverage.
Discounts
Discount program availability
Safe driver, pay-in-full, multi-vehicle, storage option, and Good Sam Club membership discounts on fuel and campsite rates. Mention Savings Code TD-80 for best rate.
Storage Discount
Reduced premiums for low use
Suspend liability and collision coverage when safely stored for 30+ continuous days.
Vehicle Type Coverage
Coverage for RVs and trailers
Coverage available for motorhomes, campers, trailers, and fifth wheel.
Personal Effects Coverage
Non-permanently attached item coverage
Automatic coverage up to $3,000 in value. Can add on coverage for higher value items.
Age Score:
10
50-64 Years
10
65-74 Years
10
75-84 Years
9
85-Older

Good Sam VIP Insurance encourages individuals to call for quotes as this is the most effective method of confirming the accurate level of coverage needed.  However, those interested in getting a quote may submit an initial request online.  Once an individual has a policy, they can manage bill payment, policy changes, and claim submission online.  This is a major benefit for a younger or more internet savvy population.  This feature is also helpful for full time RVers as they can access their information no matter where they are traveling.    

On the other hand, the site is a bit cluttered.  There are a lot of competing pictures and menus that can distract a user.  While there is a lot to see, the site has the ability to quickly and easily increase the font size on the page content.

The storage option makes this coverage ideal for those who use their RVs full time, seasonally, and even for occasional vacation travel.  The coverage fits those still working and retirees alike. 
 

Health Score:
10
Poor Health
10
Fair Health
9
Good Health
8
Great Health

As health becomes an issue, RV owners will likely spend less time on the road and will want to be closer to family, friends, and care providers. Full time RV users may either choose to use the vehicle as a primary residence or store the vehicle for longer periods of time. Fortunately, Good Sam VIP has a storage option that temporarily reduces the liability and collision coverage which can mean a savings of 53% off the premiums. This feature is also beneficial for those in great health who may still be working full or part time and are not on the road year round.

Pros:

  • Insurance designed for RVs.  RV coverage is not an afterthought with Good Sam VIP, it is their sole focus.  Coverage is available for a wide variety of campers, trailers, and motorhomes.

  • Online Account management.  Pay your bill, print your insurance cards, and manage claims from anywhere, at any time.  

  • Discounts are available for members who are good drivers, have safety and theft protection devices, pay premiums in full, and bundle their auto and RV policies.  Good Sam Club membership is also available at a reduced rate and members save on fuel and site costs.

  • Optional Full Replacement Cost Coverage.  Policyholders can select coverage that will cover the cost of a comparable RV model if the covered vehicle is totaled or stolen within the first 5 model years.

  • Storage Option allows members to remove liability and collision coverage while a vehicle is in storage for 30+ days.  Comprehensive coverage remains in effect to protect against any damage during that time.  Members who select this coverage option can see a savings of up to 53% in a policy year.  

  • Optional Full-time RVer coverage provides policyholders with more homeowners insurance style features to meet the need for extended coverage.

Cons:

  • No coverage for travel in Mexico but representatives will assist you in obtaining the proper coverage through licensed Mexican insurance providers.

  • Low value for personal effects replacement.  While it is nice to have any loss or damage of belongings covered under the standard policy for RV insurance, $3,000 total is a relatively low value.  It is very easy to go over that amount with digital equipment and cookware alone.  That doesn’t even include clothing or jewelry.  It is possible to increase the coverage for higher value items and it is recommended especially for full time RV users.

  • Not all coverage is available in all states.  Contact a representative to determine what is available in your location.

 

Bottom Line:

Good Sam VIP provides members with comprehensive RV insurance that meets the needs of the modern RV lifestyle.  With over 30 years providing coverage to an active RV community and listening to their members, Good Sam VIP has learned how to combine coverage components similar to traditional auto and homeowner policies to best match the priorities of RV owners.    

Policyholders also have access to Good Sam Club member discounts on fuel and campsite rates across the United States.  Rated as A+ with the BBB, and known as the “Face of RVing”, Good Sam Club has long been considered a leader in the community by providing information, resources, and discounts to their over 1.7 million members.

Good Sam VIP covers motorhomes, fifth wheel, campers, and trailers.  Bundle your truck or auto policy with your RV coverage and receive additional discounts while protecting your investments on the road.

Whether you travel full time, seasonally, or just occasionally as time allows, we highly recommend Good Sam VIP as an insurance provider who can design a plan to meet your priorities and save you money.   

 

Frequently Asked Questions:

How can I reduce my insurance premium payments?

Policyholders can receive discounts by being a safe driver, paying premiums in full, having a multi-vehicle policy, and being a Good Sam Club member.  Those RV owners who do not use their vehicles full time can also reduce their payments by utilizing the Storage Option.  Liability and collision coverage can be temporarily removed while a vehicle is stored for 30+ days, providing members with a discount of up to 53%.  

 

Does my policy cover damage or loss of my belongings in the RV?

Good Sam VIP automatically protects members for up to $3,000 worth of personal property due to loss or damage.  You may also choose to add additional personal effects coverage if you travel with a large amount of belongings or have items that exceed this value.
 

Am I covered for travel in Mexico?

Most US RV insurance policies do not meet the requirements for coverage in Mexico.  If you choose to travel into Mexico, please contact a Good Sam VIP representative and they will assist you in obtaining the correct liability, comprehensive and collision coverage through a licensed Mexican insurance provider.

More Information:

Product Details

As with all insurance coverage, the pricing for a RV insurance policy is determined by the provider and based on a variety of factors including: age of the driver(s), accident history, vehicle make/model/age, and frequency of use.  Premiums can also be affected by the state where the vehicle is registered and the corresponding minimum coverage requirements.  Policyholders often don’t realize that education and credit score can also impact the overall cost of premiums.  Contacting a representative or requesting an online quote can give you a more accurate picture of the total cost.

 

Package Details:

Good Sam Vehicle Insurance Plan (VIP) Standard Coverage

  • Bodily Injury and Property Damage Liability

  • Coverage against Uninsured and Underinsured Motorists

  • Permanent Attachments Coverage

  • Medical Coverage and Personal Injury Protection

  • Comprehensive and Collision Coverage

  • $3,000 Personal Effects Coverage

  • Reduced membership rate for Good Sam Club

 

Specialty Coverage: Add On Plans

  • Full Time RVer Coverage

  • Storage Option (removal of Collision and Liability when in storage for 30+ days)

  • Full Replacement Cost Coverage

  • Hitch coverage

  • SmartValet® (rental car delivery after a claim submission)

  • Higher Value Personal Effects Coverage

  • Emergency Expense Allowance

 

Additional Company Details

 

Contract Details:

Policies are renewed on an annual basis and subject to premium changes based on driver history and provider increases.  Coverage can be adjusted at any point outside of the processing of a claim but must meet the required minimums for the state of registration.   

 

Accreditations:

  • Ranked #1 in 2017 RV Insurance by ConsumersAdvocate.org
  • Among the top 10 for RV Insurance by Consumer Affairs
  • Rated as A+ by the BBB
  • 98% Overall Customer Service Rating (according to BirdEye)

 

Company Details:

Founded in 1966, Good Sam Club is the largest RV owners club in the United States and is “committed to making RVing a safer and more rewarding experience”.  The Club, along with it’s sister company Camping World, offers members discounts on fuel and site rates at over 2,100 campgrounds across the nation.  Members also have access to additional benefits and resources such as: roadside assistance, RV financing and extended warranties, and travel medical and health insurance.

In order to truly meet all of the needs of their members, Good Sam Club teamed up with National General Insurance to create the Good Sam Vehicle Insurance Plan (VIP).  The coverage was designed to cover the priorities missed in traditional auto policies.  Together they have been providing highly-ranked, comprehensive coverage specific to the RV lifestyle for over 30 years.  

 

Contact

Good Sam Insurance Agency
PO Box 66937
St. Louis, MO 63166-6937
Tel: 888-514-1116
Website: http://www.goodsamrvinsurance.com/

Susan Adams - Senior Advisor

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