Is National General RV Insurance Legit? Policies, Pricing, Customer Service, Ratings

Is National General RV Insurance Legit?

Recreational vehicles (RVs) are a great way to enjoy the outdoors and travel across the country.

However, RVs also need proper insurance coverage to protect them from accidents, theft, vandalism, and other risks.

One of the companies that offers RV insurance is National General, formerly known as GMAC Insurance.

But is National General RV insurance legit? Let’s find out!

An image to Illustrate: National General RV insurance
You love your RV, but do you love your RV insurance? In this article, we will review National General RV Insurance, one of the leading providers of RV insurance in the US. Learn about their coverage, pricing, customer service, and ratings, and find out if they are a good option for your RV insurance needs/PHOTO COURTESY: Bing Image

What Does National General RV Insurance Cover?

National General RV insurance covers a variety of RV types, including:

  • motorhomes
  • travel trailers
  • fifth wheels
  • pop-ups
  • campers

Depending on the type and value of your RV, you can choose from different coverage options, such as:

  1. Liability coverage: This covers the medical and property damage expenses of other people if you cause an accident with your RV.
  2. Collision coverage: This covers the repair or replacement costs of your RV if it is damaged in an accident with another vehicle or object.
  3. Comprehensive coverage: This covers the repair or replacement costs of your RV if it is damaged by fire, theft, vandalism, storm, animal, or other non-collision events.
  4. Uninsured/underinsured motorist coverage: This covers your medical and property damage expenses if you are involved in an accident with a driver who has no or insufficient insurance.
  5. Medical payments coverage: This covers your medical expenses if you or your passengers are injured in an accident involving your RV.
  6. Personal effects coverage: This covers the loss or damage of your personal belongings inside your RV, such as clothing, electronics, furniture, etc.
  7. Emergency expense coverage: This covers the costs of lodging, transportation, and food if your RV is damaged or stolen and you are more than 50 miles away from home.
  8. Full replacement cost coverage: This covers the full value of your RV if it is stolen or totaled, without any depreciation.
  9. Storage option: This allows you to suspend some of your coverages when your RV is not in use, such as during the winter months, and save on your premiums.

How Much Does National General RV Insurance Cost?

The cost of National General RV insurance depends on several factors, such as:

  • The type, make, model, year, and value of your RV
  • The amount and types of coverage you choose
  • The deductible amount you are willing to pay out of pocket before the insurance kicks in
  • Your driving history, credit score, and claims record
  • Your location, mileage, and frequency of use of your RV
  • The number and age of drivers and passengers on your policy

According to the company’s website, National General RV insurance can save you up to 20% on your premiums compared to other insurers.

However, the actual rates may vary depending on your situation and the discounts you qualify for.

What Discounts Does National General RV Insurance Offer?

National General RV insurance offers several discounts to help you lower your premiums, such as:

  • Multi-policy discount: You can save up to 20% if you bundle your RV insurance with your auto, home, or motorcycle insurance from National General or its affiliates.
  • Multi-vehicle discount: You can save up to 20% if you insure more than one RV or other vehicle on the same policy.
  • Safe driver discount: You can save up to 10% if you have a clean driving record for at least three years.
  • RV safety course discount: You can save up to 5% if you complete an approved RV safety course.
  • Original owner discount: You can save up to 5% if you are the original owner of your RV.
  • Paid-in-full discount: You can save up to 15% if you pay your annual premium in full.
  • Paperless discount: You can save up to 5% if you opt for paperless billing and policy documents.
  • OnStar discount: You can save up to 10% if you have an active OnStar subscription on your RV.
  • Low mileage discount: You can save up to 10% if you drive your RV less than 15,000 miles per year.

How is National General RV Insurance Customer Service?

National General RV Insurance claims to have a dedicated team of RV experts who can handle your claims and questions efficiently and professionally.

You can contact them by phone, email, online chat, or through their mobile app.

You can also file and track your claims online or through the app.

However, according to customer reviews and ratings, National General RV Insurance has a poor reputation for customer service.

Many customers have complained about:

  • Long delays and errors in processing claims
  • Denial of valid claims or lowball settlement offers
  • Poor communication and lack of transparency
  • Rude and unhelpful representatives
  • Unexpected rate increases and cancellation fees

How is National General RV Insurance Rated?

National General RV insurance has received mixed ratings from various sources, such as:

  • A+ rating from the Better Business Bureau (BBB), but also 1.1 out of 5 stars based on 101 customer reviews and 391 complaints
  • 2.5 out of 5 stars from Trustpilot, based on 1,024 customer reviews
  • 1.5 out of 5 stars from ConsumerAffairs, based on 101 customer reviews
  • 2.8 out of 5 stars from WalletHub, based on 63 customer reviews
  • 2.9 out of 5 stars from Clearsurance, based on 1,057 customer reviews
  • A rating from AM Best, indicating a strong financial ability to pay claims

Conclusion

National General RV Insurance is a legitimate company that offers a variety of coverage options and discounts for RV owners.

However, it also has a poor customer service reputation and mixed ratings from customers and experts.

Therefore, before you decide to buy National General RV insurance, you should compare it with other RV insurance companies and find the best one that suits your needs and budget.

READ ALSO:

Spread the love