Why Specialty RV Insurance

Dealerships should not feel comfortable sending their new RV owners out the door without specialty RV insurance. If you have customers insuring their RVs on an auto policy, they're simply not getting the protection they need to protect their RVing lifestyle and investment.

PoliSeek RV Insurance insurance policies include additional coverage that auto carriers do not always provide. Many dealers feel the most important aspect of coverage is the Total Loss Replacement feature, which protects customers from significant depreciation once the RV is driven off the lot. If an RV is totaled, an auto insurance policy typically pays the current market value of the vehicle. For example:

Total Loss Replacement Coverage: Why You Can't Afford To Do Without It
2005 Purchase of New RV
	New 2005 coach:	$150,000
	10% down:	-$ 15,000
	10-Year Financing:	$135,000

After Total Loss in 2007 with Standard Auto Coverage			After Total Loss in 2007 with Total Loss Replacement
Insurance pays market value:	$110,000		TRL Buys New 2007 RV:	$160,000
Remainder of loan:	-$120,000		Same monthly loan payments
Owner's out-of-pocket:	$10,000		Owner's out-of-pocket:	$0
(No longer has an RV)			(Headed to FL on Vacation)

Additional unique features include:

• Disappearing Deductibles
  For every claim-free year, deductibles are reduced by 25%.
• Replacement Cost Coverage
  "New-for-old" coverage on personal belongings.
• Full-Timer Coverage
  Includes the personal liability coverage lost when your customer no longer has a homeowner's policy.
• Dealer Add-ons and Permanent Attachments, like Awnings, Antennas, and Satellite Dishes Protection
• Campsite Liability
  Premises liability at the campsite.
• Unlimited Towing and Roadside Assistance
  Anytime service with providers who can handle any RV.
• Emergency Expense Allowance
  Reimburses for transportation or lodging if the RV is unusable due to a covered loss.
• Mexico Coverage
  Extends comprehensive and collision into Mexico.