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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.
 
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Call: (800) 951-1240

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
http://www.nationalgeneral.com/
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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S
Scott
12/13/2016
I'm confused by this as the title up top shows National General with 9.7 starts out of 10 but if I read the reviews I can't comprehend how it's add's up to 9.7 stars? Help me understand because after reading the comments I have no choice but to opt out and look elsewhere for insurance.

C
cherylschnabel8
11/27/2016
Our National motorhome survived the Valley Fire of 09/12/2015. The brakes on the right side were melted from the heat. Denied. The roof seams on the perimeter were damaged from the heat.Denied A scratch caused by a crazy person was called a collision. We were basically called liars like the other reviewers. We reported them to the CA Department of Insurance. They use "Direct Repair Program" that leaves the owner out completely. The adjusters just made up the narrative of the occurrence.

K
Kim
10/30/2016
If you have National General, RUN!!! We have a two piece windshield both with damage. THEY determined that it would be separate claims and therefore separate deductibles. They also would not cover a new gasket for it even though the RV service manager said the existing one could not be used. They also would not cover the driver's side window as it was fogged and you can't even see out of it. Adjuster didn't even listen. We are pursuing other insurance...Progressive looks the best so far.

K
kirk g
9/20/2016
this company should be shut down ....this is the worst insurance possible....trailer hitch broke off in Atlanta ga....they let us sit on the highway...did nothing to help what so ever...and that was almost 3 months ago it totaled the rv and they now are trying to give me $1,000.00 for a $20,000.00 thor motorhome....having insurance with good sam and these crooks is like not even having insurance....they are cheaper but do nothing when something happens.....WARNING: CANCEL YOUR INSURANCE ASAP WITH THESE CROOKS....I cancelled my other motorhome and went to progressive .....

F
Fred &
8/22/2016
Worst coverage ever. Put your rv on your own insurance avoid this company. Trailer (national general through camping world) and truck (not national general thank God) were in horrible baseball sized hail storm. Truck had almost $6k in damage. Truck has been fixed. We filed claim on trailer from MN, told we were covered. After a bit of time we were basically called liars. The damage to our trailer was from something else not hail damage. Wow truck was parked next to trailer in campground. Storm happened 6/18/2016, it's now 8/22/2016. One agent stated that their storm models showed no storm. Check the weather news. In our entire insurance history we have never been called liars. Had to ask... Read More

J
Jane D
6/30/2016
A claim was file while traveling. Agreement was made to delay dealing with damages until I returned home. When I got home claim had been cancelled and 5 emails and 4 phone calls were ignored. When I finally got a response from a supervisor I was told to proceed with getting estimates and was then ignored again. I I do not recommend this company.

3/23/2016
Better Business bureau has had 69 complaints against National General this last ear. Customer service tends to be relatively difficult to deal with Few discounts for customers Poor financial standing Emergency roadside assistance 0.17% market share - about an average sized regional company. 1.2 out of 5 Star rating. Bad BBB rating

Our Partner

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  • Full-timer coverage options
  • Mexico insurance options available
  • Total Loss RV replacement
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