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National General RV Insurance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
39 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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39 Customer Comments & Reviews

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B
Barbara R
6/9/2024
I can not even leave 1 star this has been the worst experience of our lives they do not stand behind there policy at all they sent out an adjuster out to look at hail damage he climbed the ladder and took just a couple of pics and we are told not hail damage. It is from neglect hail actually put holes in roof shattered all vents and cracked both windshield now they want us to file a separate claim because they say that has to be from rocks on the road .really!!!!!all of our cars in the driveway all got hit they even totaled my wife's car this all happened April 1st 2024 today is June 9th now they say the glass is too expensive and they dont want to replace them at the cost....... Read More


dennis.wellington
5/8/2024
They react FAST. HAD CLAIM For WINDSCEEN REPAIRED IN A less than a WEEK. Easy to work with


rogerldalpe
9/17/2023
All I see here is bad reviews I think I’ll stick with progressive


B
btm910
12/5/2022
My third year with National General on our Class A - NG and my shop are about $6000 apart on what the repairs should cost for a large hole in the back of our coach. Accident occured in September Estimate done by NG in October and by the shop the end of October. They are pushing for the repairs to be done at Camping World because of an agreement the two companies have. At this point, it's move the coach to another repair shop and start over or pay $6000 out of pocket. Never again!!!!


R
Richard
7/19/2022
My truck was stolen May 24th, today is July 19, still don't have it back, nor is it at repair shop, yet it's been released to repair. NGIC has been aware of truck being recovered by police since June 6th. This is lethargic at best, almost criminal at worst. I am a full time RV dweller and have to rely on generosity of those around me. It is difficult to get a hold of the claims adjuster, they don't return calls, my BBB complaint was whitewashed. DO NOT RECOMMEND. My mind is blown in how they are rated so high, people who rate must not have gone through the agonizing claims process.


midge314
1/26/2022
Be wary of their "Additional Charges" later call "Acquisition Costs" which were never shown as nonrefundable when signing up for the policy. It was only when I decided to cancel 11 days into the year long policy that I was verbally informed the fee was not refundable even though they were rolled up into the full annual premium. If you cancel prior to the ending date of the policy you will not see any of this "fee" returned to you.


formosagal
9/9/2021
Wow it seems that we are not the only ones that NG are jerking around. We parked our tow vehicle to close to our 5th wheel and started the self leveling. While he was walking around making sure that the stabilizing blocks were positioned correctly, I heard a crunching sound and discovered the the passenger corner on our pickup hood was being crushed by our hitch. We turned it in and they determined that the claim would be honored under "collision" I argued the point and even spoke to her manager. I reminded them that the engine was off, and no one was in the vehicle. It made no difference to them. It seems that they make up the rules as they go. He has a clean driving record but... Read More


K
Kelly S
6/4/2021
So they have the worlds worst rating system for determining whether you can be insured. I have 0 points on my record but a few carpool lane tickets. These idiots lump carpool lane tickets in an overarching description of following too closely, driving on the wrong side/wrong direction. SO they have basically lumped together non-liability causing tickets in with things that could potentially be a major liability to determine you insurability. They have no way of adjusting or fixing things within their own system and couldn't even give an actual answer as to why I couldn't be insured, just a best guess. Even more dumb is they insure my car!!!!


forgivenbygod22
6/12/2020
We filed a claim on our RV after hitting a pothole and having an explosive tire blow out. We have incurred structural damage to our RV. After multiple visits your adjuster confirmed this structural damage. We have been denied coverage on the bases of an assumption that it is a manufacture defect without proof. NG has even denied paying for unit tear down for further diagnosis. NG’s answer is “no pothole damage could break the structure” leaving us with an totaled RV. Not only has NG not covered our camper they have sent all of our private information and denials to the wrong person leaving us in the dark for weeks and ultimately embarrassed. This lack of attention to detail has... Read More


L
Leroy T
5/23/2020
Worst company I’ve ever dealt with! They will low ball the customers and the service department of any repair facility. Do your homework, call any RV repair facility and ask ( who are the worst insurance companies they deal with? ) This company will be in the top five. Don’t make the same mistake I made! Stay away!



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