Emergency Road Service Insurance. Is It Worth It?

Emergency Road Service Insurance is designed to provide financial assistance, technicians, or professional help for minor emergencies while you are on a trip. It is inexpensive—often less than $100.00 per year.

Emergency Road Service Insurance 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.

Here are some of the more commonly covered 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 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.

Notice the use of the phrase “may include” numerous times in the bullet points 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.

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. Those that specialize in RV Emergency Road Service insurance include Good Same Roadside Assistance, The American Automobile Association (AAA), Allstate Insurance, The Better World Club, The Paragon Motor Club, and Progressive Insurance Company.


Tips For Dropping Off The Grid.

Summer is a great time to get up close and personal with nature in your RV without sacrificing any creative comforts. Nearly all RVs are “self-contained.” That means you have the ability to live in it for several days without hooking up to utilities (also called boondocking)—and you paid lots of extra money to have this capability. With the normal systems in your RV, you can boondock (park one or two nights) or dry camp (stay several nights) without connecting to the campground water, sewer, and power.

It is important to note you do not have to deprive yourself of anything while boondocking. You live with the same comfort and convenience as you do when hooked up—the wine is perfectly chilled and, if needed, the furnace is toasty warm. When boondocking, you simply live a bit more conservatively without roughing it.

Living Well with No Hookups

Part of being able to live without hooking up to utilities is accomplished by an alternative electrical source on board. Most motorhomes and some towables have special “coach” batteries that will run many of the electrical things you need to live normally. Those batteries will not efficiently power high-amperage-draw appliances like your air conditioners, hair dryer, microwave oven, toaster, and others. A generator can furnish electricity to run those appliances plus charge the coach batteries. Many Class A motorhomes and some towables have a generator. Some Class C motorhomes, and smaller towable units may not have one.

The other part of being able to live normally without hooking up is a function of your RV water system’s “holding tanks.” Many RVs have three large plastic tanks—one each for fresh water (potable, or “drinking” water), “grey” water (the runoff from all sinks and shower drains), and “black” water (sewage). By taking advantage of your RV’s electrical and water system, you can live comfortably for several days not plugged in to electrical power (also called “shore power”—a term from the boating industry).

Good To Go Anywhere

You are self-contained, so take advantage of the capability. The next time you use your motorhome, practice the suggestions and have fun while learning how. Doing so, you can stay longer at national parks and open spaces or spend an occasional overnight somewhere convenient when you’re tired and need to stop driving, or are in queue for repairs in a service bay at the dealership.