One common type of special RV insurance is called “Emergency Road Service.” It is designed to provide financial assistance, technicians, or professional help for minor emergencies while you are on a trip. I highly recommend this, have carried it on every RV, and have used it when needed. It is inexpensive—often less than $100.00 per year.
My emergency road service provides coverage in Canada but not Mexico. Before you purchase, ask if you are covered in these two countries. If you are never going to travel outside the USA, it’s not an issue.
Emergency Road Service provides you with help for those common mishaps such as running out of fuel, towing, or flat-tire service—but not normal maintenance items. For example, on a large motorhome, it would be extremely rare for anyone to have the tools with them to enable them to change a tire. It is also rare that you would even carry a spare. Therefore, the service is invaluable—especially for the cost. But, as always, read what you are paying for before you buy. Consider these commonly included services…
- Flat-Tire Service… Qualified technicians are dispatched to change a tire and may include locating and delivering a new tire.
- Towing to the nearest Service Professional… May pay 100% of RV towing fees to the nearest independent professional service center. Actual towing distance may be unlimited.
- Emergency Fuel Delivery… Typically, five gallons of fuel will be delivered.
- Lost Key & Lock Out Service… A pre-paid locksmith is dispatched to your location.
- 24/7 Toll-Free Emergency Dispatch… You can always reach a real person.
- Roadside Repairs… A mobile mechanic is dispatched to make minor roadside repairs to your vehicle.
- Trip Interruption Help… Reimbursement for meals, rental car, and lodging if your vehicle is disabled due to a collision. Typically, you must be over 100 miles (161 km) from home.
- Protection For Household Vehicles… May include cars, pick-ups, SUVs, motorcycles, and even boat trailers.
- Spouse & Children Protection… May include spouse and children under 25 years old living at home or attending college.
- Emergency Medical Referral Service… Assistance with personal or medical emergencies related to an accident or illness while traveling.
Admittedly, I’ve use the phrase “May include…” numerous times in my description above. Various RV organizations, some dealers, and some manufacturers sell (or resell) these policies. Check directly with the policy before you make the purchase to really see what coverage you are getting. Also talk with other RVers and ask their experience.
Buying This Insurance
There are a number of companies that sell the Emergency Road Service insurance. Some common “car” insurance companies offer several of the services listed above. While they may be good, I cannot offer information on them since I have never used this type of service from my car insurer.
I am a believer in using companies that (at least) have some understanding of the special needs and uses of an RV and RVer.