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Old 04-12-2019, 04:06 PM   #1
Picnic Patrol
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Extended warranty question

Hello all! My family will take delivery of our Passport 239ml soon and I would like to know the general consensus on extended warranties. I have heard the stories of ďjust one time replacing the refrigerator, and it will pay for itself.Ē But I have also read the stories about how aggravating the warranties can be. All comments are welcome and thank yíall for having me in the forum!
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Old 04-12-2019, 04:18 PM   #2
Tbos
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Pass on the warranty and put that money in an emergency fund instead.
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Old 04-12-2019, 04:30 PM   #3
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Look at the 5 year extended warranty for what it is: a partial repair warranty for the last 2 years on much of the trailer and the last 3 years of other parts that aren't specifically excluded by that warranty policy.

Keystone warrants the trailer for 1 year and then for a second year on the structure.

Each component manufacturer, axles, appliances, windows, awning, landing gear/hitch jack, batteries, tires, etc all are covered by the manufacturer's warranty. Most have at least a 2 year warranty, some have 3 or more years.

There are two "kinds" of extended warranty. One has a list of what is included (covered) and one has a list of what is excluded (not covered). with either, the list of what they will repair is limited and not "all inclusive" and all that I've seen do not start coverage until the manufacturer's warranty is expired.

Most of what will break on an RV will break during the first year. Most appliance problems don't occur until well after the 5th year. Given those two time frames, you can see why an "insurance policy" covering that narrow window on a limited list of items is a "sure bet to make money" for the company and a "generally poor investment" for the purchaser.

If you're handy with a screw driver and a hammer, plan to do your own maintenance and are mechanically inclined, I'd say to skip the expense and take the money, put it in a savings account and draw out of there for repair costs.

If you do elect to buy the "insurance", pay for it up front, don't finance it for the 12 or 15 years that you finance the trailer. At 6% for 12 years, you'll pay for the extended warranty at least two times maybe closer to three before the trailer is paid for.
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Old 04-12-2019, 05:35 PM   #4
Picnic Patrol
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Thanks for the replies! Iím handy with the tool box and my gut feeling is to pass on the warranty feeling I will do the maintenance and repairs myself. I have been reading this and other forums for about a year and have come to the conclusion that roof maintenance and a shelter to keep the rv under when not in use are very important. We are hoping for family memories and not the rv nightmares we read about in a lot of reviews! Thanks!
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Old 04-12-2019, 06:20 PM   #5
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I agree with the others. Pass on the warranty and save the money. I have found that between YouTube and the information on this forum it is possible to do RV maintenance and repairs myself. I would personally rather do any repair myself than have my trailer sit for months at the repair shop. And the shop usually isnít excited about doing warranty work because they usually get paid at a lower rate for warranty work. Just my opinion and congratulations on your new trailer!
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Old 04-13-2019, 02:10 PM   #6
MarkEHansen
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Keep in mind that those folks who tell you "that warranty paid for itself when I needed to repair this or that..." are in a minority. The majority of folks are *not* going to have these problems. ... but they don't post that everything is great (well, some do).

If something breaking would cause you undue hardship, then you should consider insurance. For example, if you own your house and would not be able to afford to rebuild it in the event it were to burn down, then you should have insurance on it.

If your RV air conditioner were to break down and you couldn't afford to repair it (right away) then just don't use the AC until you can afford to repair it - no real hardship.

I used to purchase extended warranties, but learned the hard way they generally don't pay off, so I quit doing it.
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Old 04-13-2019, 03:59 PM   #7
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I agree, pass on the extended warranty. If as you say, you're handy with tools, you'll find most things on RVs are fairly simple to fix.
Besides, if extended warranties were such a good deal for the customer, the customers would be clamoring for them instead of having them rammed down their throats by dealerships desperate for that extra commission. It's the same deal as most stuff advertised on TV.
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Old 04-13-2019, 04:14 PM   #8
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No kidding about the dealerships. I was purchasing a new car once and the Finance guy kept saying "Just one more thing and then I won't say any more about it...", but he did that more than 10 times. I was trying to be polite, but I finally said: "I'm willing to get as angry with you as you need me to so that you'll shut up about this" and he finally quit. Whew!

I had one dealer wait until I was out of the room (I went to the restroom) during which time he had my wife sign it and then tucked it away so I wouldn't see it.

They are really snakes. You have to be on your toes and watch them every second.

When I purchased my current truck, I told the sales guy that when we go to the finance guy, I'll allow him to press the extended warranty 3 times and that's it. If he violates my limit, we're walking out. As a result, the sales manager finished our purchase - I never saw the finance guy. Perhaps they didn't trust that he could keep his mouth shut

Of course, they can tell you're being extra careful and always say "don't worry, we're honest here - you can trust us"
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Old 04-13-2019, 05:11 PM   #9
Picnic Patrol
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Thanks for the info everyone. Can’t wait to see how many “accessories” they try to sell me!
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