Consignment Coverage

In today’s economy more and more RVers are looking at consignment contracts with RV dealerships as an option to sell their RV. The typical RV insurance policy may not provide coverage for your RV while it is in the possession of an RV dealership; in fact, many policies specifically exclude coverage for RVs being sold on consignment. If you are considering selling your RV on consignment, be sure to read your policy and speak with your insurance agent before hand to see if your policy provides coverage while your RV is being sold under a consignment contract.

In many cases, a special consignment endorsement can be added to your RV policy for an additional fee. This endorsement extends coverage on the RV if it is being test driven by potential buyers or dealership employees. Consignment endorsements may not be available in certain states or areas, so speak with your insurance agent to make sure the endorsement is available for the dealership or consignment lot you are considering.

Before selling your RV through a consignment program, talk to your insurance agent to make sure that your RV is adequately covered. The consignment endorsement may be worth the extra cost since the RV will be out of your control and custody while on consignment, and may be exposed to inexperienced drivers as well as dealership employees. Your insurance agent will be able to assist you in answering any question that you may have about consignment coverage to ensure you are protected during the sales process.

For a complete review of your policy go to www.explorerrv.com/Quote/ or call 888-774-6778

Jill Marsillett
Specialty Agent

Three things every RVer should have on board

RV travel is in full swing. There are many things you can do to make sure your RV is ready to hit the road, such as changing your oil and transmission fluid and a regular check of your battery. The more you use your RV, the harder the batteries work and the more corroded they tend to get.


One of the biggest issues RVers deal with when it comes to problems on the road is underinflated tires. Insurance companies see many claims for accidents related to this as well. I tell every RV traveler I know that there are three aftermarket items you should not be without in your RV:

1. A tire pressure monitoring system. Properly inflated tires increase your fuel efficiency, reduce accidents and save wear and tear on your tires. The best tire monitor system sold today monitors tire pressure and temperature in the tires of both the RV and the vehicle being towed. The read out is mounted on the dash in plain view of the driver, and gives a constant digital read out and will sound an audible alarm if there is a problem.

2. An Electrical Management System (EMS). An EMS is either permanently installed (ideal) or plugs in, and monitors the power to the RV. It performs a diagnostic test of the electrical shore power when the power cord is plugged in, and will not supply voltage to the RV if there are problems like low voltage, high voltage, reverse polarity, open ground, etc. An EMS also will turn the power off for the same reasons.

3. A tow brake. Installed in the towed vehicle, a tow brake takes braking load off the RV. Because the RV is not stopping the extra 3,000-4,000 pounds of weight, the stopping distance in an emergency situation is reduced by around 30%.

It is a good idea to keep an online “diary” of when you service your RV. Give it some built-in reminders so you know when to check your tires and battery or change your oil, for example. You don’t need anything fancy, just a simple spreadsheet will do.

To review your policy click here www.explorerrv.com/quote or call 888-774-6778