Jeffrey Wade
RV roadside assistance is an essential purchase for full-time RV owners. While RV insurance covers collision, liability, medical bills, and comprehensive insurance, roadside assistance provides peace of mind if your RV is disabled due to a flat tire, dead battery, or mechanical failure. It is important to carefully research the different roadside assistance plans available, as they vary in terms of what they cover and where they are valid. Some plans offer benefits to anyone driving the listed vehicle, while others cover only the named driver. Additionally, some plans have distance limits for towing services. While some RV insurance policies include roadside assistance as an add-on, many RVers prefer to carry a stand-alone roadside assistance plan or both.
| Characteristics | Values |
|---|---|
| Cost | The cost of an RV roadside assistance plan depends on the type of benefits included. |
| Coverage | Plans differ in who is covered, what is covered, and where the benefits can be used. Some plans cover only the named driver, while others cover every driver in the household or anyone driving the listed vehicle. Some plans cover only the motorhome, while others also cover a toad vehicle. |
| Towing | Some plans offer unlimited towing to the nearest service center, while others have limits on the distance covered. For example, AAA tows RVs the first 100 miles and then charges per mile. |
| Additional services | Some plans offer wenching services to pull RVs out if they get stuck. Other plans offer trip interruption coverage, which covers hotel and rental car expenses if the RV breaks down or is in an accident more than 100 miles from home. Some plans also include discounts on travel, camping fees, attractions, and shopping. |
| Insurance coverage | Some insurance policies already include basic roadside assistance, such as towing, tire replacement, battery recharge, and locksmith services. However, these services may have limitations, and standalone roadside assistance plans can provide more comprehensive coverage. |
| Recommended providers | Good Sam, Coach-Net, Roam.ly |
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What You'll Learn
RV roadside assistance plans: what's included
When it comes to RV roadside assistance plans, there are several options available, each offering a range of benefits to cater to your specific needs. While the specific inclusions may vary across different providers, here is a general overview of what you can typically expect to be included in an RV roadside assistance plan:
Towing and Roadside Service:
This is a standard feature offered by most RV roadside assistance plans. In the event of a breakdown or accident, you can avail of towing services to have your RV towed to a nearby repair facility or a location of your choice, up to a certain mileage limit. Some plans also offer on-site repairs, providing technicians to fix minor issues or get your RV running again.
Tire Assistance:
Tire issues, such as flats or blowouts, are common concerns for RV owners. Roadside assistance plans often include tire-related services, such as replacing a flat tire with a spare, providing a jump start, or even covering the costs of new tires in certain situations.
Trip Interruption Coverage:
In the event that your RV is involved in an accident or breaks down, trip interruption coverage can provide reimbursement for hotel and rental car expenses. This coverage typically applies when you are a certain distance from your home, ensuring that you can continue your journey with alternative arrangements.
Concierge Services:
Some RV roadside assistance plans offer concierge services, providing assistance with locating repair facilities, lodging, and rental car options. This can be especially useful when you are in an unfamiliar area and need guidance on finding the nearest available services.
Family Coverage:
Many RV roadside assistance plans offer family coverage options, extending benefits to your spouse or domestic partner, and dependent children under a certain age. This ensures that your loved ones are also taken care of in case of any RV-related emergencies.
Additional Benefits:
RV roadside assistance plans may also include a range of additional benefits, such as discounts on travel, camping fees, attractions, and shopping. Some plans even provide coverage for medical expenses incurred while travelling, giving you added peace of mind during your journeys.
It is important to carefully review the details of each plan to understand the specific inclusions, exclusions, and limitations. By doing so, you can make an informed decision and choose the RV roadside assistance plan that best suits your individual needs and provides the coverage you require.
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RV insurance vs roadside assistance
RV insurance and roadside assistance are both important to have when travelling in an RV, but they serve different purposes. RV insurance is designed to protect you financially in the event of an accident or damage to your vehicle, while roadside assistance provides assistance if your RV breaks down or has a problem on the road.
RV insurance typically covers a range of scenarios, including collisions, fire, theft, and vandalism. It can help cover the cost of repairs or replacement of your RV, as well as any medical expenses or legal fees that may arise as a result of an accident. On the other hand, roadside assistance is a service that provides help if your RV breaks down or experiences a problem while you are on the road. This can include services such as towing, tyre changes, fuel delivery, and assistance with minor repairs.
While some RV insurance policies may include basic roadside assistance as part of their coverage, it is often limited in scope. For example, it may only cover a certain number of miles of towing or may not include tyre changes. As such, it is generally recommended to have a separate roadside assistance plan in addition to your RV insurance. This ensures that you have comprehensive coverage and peace of mind while travelling.
When choosing a roadside assistance plan, it is important to carefully consider the details of the policy. Different plans offer varying levels of coverage, so it is crucial to select one that includes the benefits you need. For example, some plans may only cover the named driver, while others may extend coverage to all drivers in the household. Additionally, some plans may only cover certain vehicles, so it is important to ensure that your RV is specifically included.
Furthermore, it is worth considering the geographical scope of the roadside assistance plan. If you plan to travel outside of the US, such as to Mexico or Canada, you will need to ensure that your coverage extends to those areas. By taking the time to research and select the right roadside assistance plan, you can ensure that you are fully prepared for any unexpected situations that may arise during your travels.
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Stand-alone vs add-on roadside assistance plans
When it comes to roadside assistance for your RV, you have two main options: a stand-alone plan or an add-on plan to your existing insurance. While both options serve the same purpose of providing assistance in the event of a breakdown, there are some key differences to consider when choosing between the two.
Stand-alone roadside assistance plans are designed specifically for RVs and offer a comprehensive range of benefits tailored to the needs of RV owners. These plans typically include services such as towing, tire changes, fuel delivery, and lockout assistance. One of the main advantages of stand-alone plans is that they often provide unlimited towing and larger tow distances, which can be crucial if you break down in a remote location. Stand-alone plans also tend to offer 24/7 emergency services, ensuring that you can get help anytime, anywhere. Additionally, stand-alone plans may include benefits such as trip interruption coverage, reimbursements for emergency lodging, transportation, and food spoilage, giving you added peace of mind while on the road.
On the other hand, add-on roadside assistance plans are offered by insurance companies or cell phone carriers as an extra layer of protection to your existing policy. While these plans can provide basic roadside assistance, they often have limitations and may not adequately cover the specific needs of RVers. Add-on plans typically impose strict limits on towing distances, which can result in unexpected out-of-pocket expenses if you require a tow beyond the covered radius. Additionally, add-on plans may not cover all types of RVs or provide the same level of specialized services as stand-alone plans.
When choosing between stand-alone and add-on roadside assistance plans, it's important to carefully consider your specific needs and the benefits included in each option. Stand-alone plans offer more comprehensive coverage tailored to RVs, ensuring that you have the necessary assistance when you need it most. Add-on plans, while convenient and often cheaper, may fall short in providing adequate protection for RV owners, leaving you vulnerable to unexpected breakdowns and additional costs. Therefore, it is generally recommended to opt for a stand-alone plan that specializes in providing comprehensive roadside assistance for RVs, giving you the peace of mind that you're fully covered during your travels.
Some popular stand-alone roadside assistance providers for RVs include Good Sam, Coach Net, and Roadtrippers RV Roadside Assistance. When comparing these options, consider factors such as towing limits, additional benefits, and customer reviews to make an informed decision.
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Cost of roadside assistance
The cost of roadside assistance for RVs varies depending on the provider and the level of coverage. Some providers offer different packages with varying benefits, allowing customers to choose a plan that suits their budget and needs.
For example, Good Sam Roadside Assistance offers three different plans, with the basic plan starting at a lower cost and the premium plan offering more comprehensive coverage at a higher price point. Similarly, Coach-Net offers two plans: Premier Towable at $179 and Premier Coach at $249. These plans provide coverage for the member, their spouse, and dependent children under 24, along with all other personal vehicles.
It is worth noting that some insurance companies, such as AAA, offer RV-specific coverage as an add-on to their existing membership plans. AAA's Plus RV and Premier RV plans provide extended benefits, including towing, extrication, and tire services, with certain limitations on dollar amounts per service call and per membership year.
When considering the cost of roadside assistance, it is important to review the details of each plan. Factors to consider include the number of covered drivers, the extent of towing coverage, and additional benefits such as fuel delivery, tire changes, and technical support. By carefully evaluating these factors, RV owners can select a plan that offers the best value and peace of mind while on the road.
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Best roadside assistance providers
When choosing a roadside assistance provider, it is important to do your research and ensure that the plan you choose includes the benefits you want and need. The cost of a roadside assistance plan will be directly affected by the type of benefits it includes. Therefore, it is crucial to look for a plan that includes everything you need without any unnecessary add-ons. It is also important to understand who is covered by the policy, as some plans cover only the named driver, while others cover every driver in the household or anyone driving the listed vehicle.
Good Sam
Good Sam is a favourite of many RV owners and offers roadside assistance plans for every budget. They have three different packages to choose from, and their plans include towing up to 100 miles, which is a great option if you want to choose where your RV is towed to.
AAA
AAA is one of the most familiar providers of roadside assistance services and offers three plans, including one with four assistance calls per year and up to 3 miles of towing, and another with four calls per year and up to 100 miles of towing. However, some RV owners have found that their coverage is limited when it comes to towing RVs.
Allstate
Allstate allows you to add roadside assistance to your existing coverage for as little as $25 per vehicle per billing period. This is a great option for families with multiple drivers and cars. However, be sure to read the fine print to ensure that calls for service are not counted as claims, which could raise your annual premium.
Coach-Net
Coach-Net offers benefits such as helping you find an RV tech or diagnosing issues. Their coverage includes up to $1000 per disablement, and they offer the Premier Coach version for $249.
Best Roadside Service
Best Roadside Service offers 24/7 commercial fleet roadside assistance with no destination charges up to 75 miles when your vehicle breaks down. They also have a $200 towing allowance to the repair facility of your choice. In addition, they provide free fuel delivery and tyre change services.
When choosing a roadside assistance provider, it is important to consider your specific needs and budget. Be sure to read the fine print and understand the coverage limits and exclusions of each plan before making a decision.
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Frequently asked questions
Roadside assistance provides help in the event of a breakdown. This includes towing services, on-site technicians, and support for issues like flat tires or dead batteries. Some plans also cover the costs of fuel delivery, hotel and rental car expenses, and other benefits like discounts on travel and camping fees.
Roadside assistance is a valuable investment for RV owners, providing peace of mind and essential support in the event of a breakdown. While some RV insurance policies include roadside assistance, many RVers prefer to have a standalone roadside assistance plan or both. It's important to carefully review the coverage offered by your insurance and compare it with standalone plans to determine which option is best for you.
Good Sam, Coach-Net, and AAA are popular providers of RV roadside assistance. Good Sam offers three different packages to suit varying budgets and is ranked the #1 roadside assistance program by TopConsumerReviews.com. Coach-Net provides benefits such as assistance in finding an RV technician and diagnostic support. However, it's important to note that coverage limits and exclusions may apply, so be sure to read the fine print before choosing a provider.
The cost of roadside assistance varies depending on the provider and the benefits included. For example, Escapees offers an RV roadside assistance plan for $109/year, while Good Sam's Platinum Complete plan includes additional benefits for a higher price. It's important to compare the features and costs of different plans to find the best value for your specific needs.
