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National General RV Insurance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
37 Customer Comments & Reviews - see all comments
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National General Insurance Company is a property and casualty insurer founded in 1920 in Winston Salem, North Carolina.

As one of the largest automobile insurance companies in the United States, National General offers a variety of insurance products, including personal auto, RV, motorcycle, and commercial auto insurance, with 24-hour claims processing and highly-rated customer support.

How is National General rated?

Breakdown

4.8/5
Coverage & Benefits
4.3/5
Customer Support
4.5/5
Cost

Overall Rating: 4.6 / 5 (Excellent)

With almost a century of insurance-related experience under their belt, National General Insurance Company continues to strive for excellence through superior customer service and products designed to help drivers protect their vehicles while saving them hundreds of dollars in premiums each year.

The company currently offers basic plans with standard protection such as liability, collision, and comprehensive coverages, as well as specialized RV insurance plans that can be customized to meet the needs of individual drivers and a variety of recreational vehicle models.

As one of the largest auto insurers in the United States, National General offers unbeatable protection through affordable plans and an excellent list of discounts.

Coverage & Benefits

Coverage & Benefits - 4.8 / 5

National General Insurance offers excellent RV insurance products through a highly inefficient webpage that provides sparse details regarding coverages and discounts.

The company does state they cover most recreational vehicles, including motorhomes, fifth wheels, mounted truck campers, and more, but to find out if their RV model is actually covered, prospective customers must request a quote.

Basic Coverage

Bodily Injury Liability
Property Damage Liability
Collision
Comprehensive
Personal Injury
Medical Payments
Uninsured/Underinsured Motorist

RV Specific Coverage

  • Total Loss Replacement
  • Full Timer
  • Belongings & Personal Effects
  • Permanent Attachments
  • Emergency Expense Allowance
  • Mexico Insurance

RV's Covered

  • Class A
  • Class B
  • Fifth Wheel Trailer
  • Mounted Truck Camper

National General RV Insurance Cost & Discounts

Cost - 4.5 / 5

Although National General does not provide specific premium or deductible ranges for their RV insurance products, the company does state that customers who enroll in their plans can save an average of $349 a year through their long list of SmartDiscounts.

For example, clients who bundle their auto and RV insurance coverage can earn up to 20% on premiums, and suspending certain coverages during the months they're not on the road can save up to $400 a year.

National General also offers discounts for safe drivers, OnStar subscribers, and those who pay in full, have low mileage vehicles or use other GM/GMAC products and services.
Premium
Annual Premium will vary by driver and vehicle'
Deductible
Deductible will vary by driver and vehicle'
Bundle Options
Auto
Motorcycle
Discounts
Bundled Policy
Safe/Responsible Driver
Low Mileage
Paid-in-Full
Storage Option

Customer Support

Customer Support - 4.3 / 5

National General Insurance Company is committed to delivering exceptional service, so much so that they waive up to $250 off your deductible if you aren't satisfied with their claims service.

The company is also accredited by the Better Business Bureau and holds an A+ rating with the organization, based on 66% positive customer reviews.

The company has received some complaints with regard to some of their products or services, yet that's not out of the ordinary for an enterprise of its size.

Customers who have worked with National General report swift and courteous service from knowledgable representatives every time, further evidencing the company's commitment with the highest standards of customer service.

Services

  • Online Claim Reporting
  • 24/7 US-based Support
BBB Rating
A+
Number of BBB Positive Reviews
113
Number of BBB Neutral Reviews
3
Number of BBB Negative Reviews
82
Date Collected
2019-01-03

Contact & Additional Information

Homepage URL
Company Phone
(888) 293-5108
Mailing Address
P.O. Box 3199, Winston-Salem, NC, 27102
Year Founded
1920

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37 Customer Comments & Reviews

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Thrifty P
4/29/2019
Absolutely AWFUL . . . Difficult to deal with as a company -- web site is beyond challenging on log-in sometimes; long wait for an operator if you phone (and then you had better get a name and extension number or the promises of what will happen don't mean anything) . . . when i finally got fed up with dealing with them, found the same coverage in a matter of minutes adding my RV to other policies at State Farm (and talking to real people who want to be helpful) at a price ONE THIRD (!!) of what I'd been charged by National General. I'm just glad i never needed to try to file a claim from those bozos in the 7 years i was a customer.


E
E.A.Young
4/22/2019
I will never use nor recommend this Co. Again. Their exclusions are so vague they can include anything in them . Also we were denied coverage from a wind damage by their saying we had not maintained it properly was the reason for damage. They never sent an appraiser to see but based this on pictures after the damage. It cost us $7000.00-$8,000.00 to to replace the roof . And waited 4 days for them to decide. We then had to get it patched to finish our 7000 miles vacation.


Rindy M
3/6/2019
We have not had them long and as of today I don’t know if we will stay with them. We have had a RV for 30 years and at most 4 claims ever. I went out to put something in my Rv and found my vinyl tile all cracked. We love in MN never has happen before but we have had some extremely cold this year. So sent pictures to insurance, week later she gets back to us and says they will not cover and there is water damage ah no not a spot that looks like water and mind you never sent anyone to look at it she was from NY.How can you say this when you have not even seen it. Going to call goodsam they talked me into changing and see what happen.


Tracy M
12/3/2018
I guess if you pay your policy off early, you get canceled once they get your premium, not sure what that is about, I was 1 day late sending a payment, and received a cancellation letter, so I the following month I paid balance in full, now I look at the account online it shows 0.00 due and account was canceled they have some serious issues with getting it right


ckkmk
10/12/2018
I bought the RV insurance at the encouragement of the dealer I bought my new motorhome through. In the process of a cross country road trip and had a small accident in a desert town in Arizona. Filed a claim the same day. Next day had to repeatedly call to get a claim number and adjuster. Sent all relevant information to the claims adjuster, and both myself and the repair facility called her all day and left v/m messages, finally reaching her. She then informed us she passed it on to another party to review (this was early in the morning). No call backs to either of us, we both tried to reach her only to find out she goes home at 5:00pm (not 5:01), leaving me hanging in the desert in... Read More


Pat P
8/22/2018
I purchased a brand new 2018 Jayco trailer in March and transferred my insurance coverage with National General from my previous trailer. I scraped a sign at a gas station on my way to North Carolina in April. Devastated with damage to my new home (full time RVer), I got an estimate and called in a claim. I was told that National General had no one in Wilkesboro, NC to assess the damage...main office is in Winston Salem???? My 1st conversation with Kerry Fenton I was accused of fraud...go figure. She accused me of purchasing a damaged trailer and then turning the damage into insurance. Also, she said that she questioned me turning in a claim after only having coverage for a short... Read More


O
Ockman O
8/16/2018
I did my very 1st Insurance Claim ever with National General on my RV Motorcoach. I am guessing that since I portrayed to them as being a "Novice" in this area of expertise, they took advantage of it. They did cover the 3 items that I only knew that were damaged due to bad weather. The expert mechanic, to whom, I took my Motorcoach to do the repairs explained and brought it to the Appraiser's attention, during his inspection of the damages, that he had discovered a "RUST" damage on the interior upper part of "ALL" of the Exterior Compartment doors? It was not like that before the bad weather? Of course, National General denied to cover this problem. So, this will diminish the value of my... Read More


Angie S
7/1/2018
On May 10, 2018, I was involved in an accident with my 5th Wheel trailer hitting a cement post outside the gate of Notchy Creek Rv Campground in Vonore, Tn. The damage that was done was the rear cap was almost completely torn away. It was towed Chilhowee Rv Center the closest Winnebago dealer/certified Winnebago repair shop in Alcoa, Tn. It has been sitting at the Chilhowee Rv Center in Alcoa, Tn. for seven weeks now. To date, I have received repair estimates from both the body shop and National General. At the moment there seems to be not only a $ 6748.42 difference between the two but both sides are currently deadlocked and refuse to work with one another. There has NOT been... Read More


W
Walt I
6/27/2018
I'm a full-timer in Melbourne, Florida, and National doesn't even write a policy for this zip code. I leave when a Tropical Storm threatens


Patsy D
6/23/2018
They Suck They refuse to pay they Are tighter than a frogs butt. They hold you hostage. They make you have to take them to court to make them pay. Why they are given #1? look at all the bad reviews!!!



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