Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 12, 2021

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Key takeaways...

  • National Motor Club is the largest private motor club in North America
  • The National Motor Club has various levels of membership
  • National Motor Club has created a value proposition for the customer by offering meager prices

Founded in 1956, it now represents thousands of individuals who rely on the company to assist them in emergency situations.

In a competitive roadside assistance market, National Motor Club of America distinguishes itself by providing low priced car insurance along with roadside assistance and free travel accessories.

Read this National Motor Club auto insurance company review and then enter your zip code above to compare free rate quotes from many different car insurance companies online!

What kind of car insurance coverage does National Motor Club offer?

National Motor Club has created a value proposition for the customer by offering meager prices. The four membership levels start from just $9 to only $18, per month.

To provide comprehensive insurance coverage in all US and Canadian territories, the company has also created separate plans for each region.

Nevertheless, membership levels are specifically designed to include almost all essential travel necessities.

Through its affiliation with approximately 45,000 partners, the Club has recently extended its services to include trailers, RV, medium and heavy-duty trucks.

This unique niche is covered under the brand, Coach-Net.

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What do you get with a National Motor Club membership?

Every membership has benefits, and the National Motor Club Membership is indeed no exception.

The membership includes:

  • Emergency roadside services
  • Travel assistance reimbursement
  • Trip reservations
  • Stolen vehicle compensation
  • Attorney fees
  • Accidental death benefit
  • Emergency benefit
  • Daily hospital allowance
  • Hospitalization coverage
  • Medical discounts
  • Identity theft protection
  • Various non-automobile related coverage

The roadside assistance plan offered by National Motor Club includes locksmith service, fuel deliveries, help with flat tires, and more.

What are the National Motor Club membership levels?

The National Motor Club has a basic plan and several premium plans available to members.

The membership levels are defined as under:

  • Platinum (Basic) $9/month All States excluding CA
  • Platinum Plus $14/month All States excluding CA
  • Diamond Plus $18/month Excluded in 10 States
  • Emerald Plus $18/month NY, TN, and TX only

Significant features of these membership levels include:

  • 24/7 roadside assistance
  • Up to $500 travel assistance reimbursement
  • Up to $25,000 bail bonds
  • Up to $700 emergency benefits
  • Up to $150 daily hospital benefits
  • Up to $10000 accidental death benefit

Note that the primary level has limited personal accident coverage.

Similarly, this is a partial list of services, which is highlighted to provide some useful information.

Likewise, the actual cost of reimbursements of personal accident coverage is only quoted after consulting with a qualified National Motor Club representative, and will likely depend on which membership level you choose.

Each membership plan comes with reimbursement for $100 worth of roadside assistance service.

There are extra benefits as well, including a discount on Enterprise rent-a-car services. Speak to a customer service representative for a full list of the discounts and benefits available and a more comprehensive breakdown of the roadside assistance program.

What kind of RV, coach, and truck coverage is available?

Newly added RV coach services are available by yearly subscription. Presently, there are two membership levels.

These levels include unlimited roadside services, RV technical assistance, and protection for all family vehicles.

The Coach-Net platinum level also provides coverage for multiple RVs, emergency medical assistance and medical referrals.

The membership fee is:

  • Coach-Net Gold $109.50/per year $298.50/per three years
  • Coach-Net Platinum $129.50/per year $358.50/per three years

The RV coverage is unique in the niche as it is not only RVDA endorsed but also offers worldwide coverage, dependent coverage, accident coverage and lots of other facilities.

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What sets National Motor Club apart from the competition?

What makes National Motor Club of America different from its competitors is a wide array of compensation. For example, the club ensures that every member has access to a private attorney, in case of an accident.

To cover attorney fees, members are compensated for speeding charges, moving violations, personal injury, vehicle damages, and negligence.

If the vehicle is ever stolen then National Motor Club will immediately declare a reward of $5000 for its safe return.

As a bonus, the rewards are not only limited to the motor industry.

Every member of the club is automatically entitled to receive discounts of 15 percent to 60 percent on vision care, 15 percent on contact lenses, 15 percent to 60 percent on generic drugs and 15 percent to 25 percent on brand name drugs.

How does National Motor Club operate?

The operational setup of National Motor Club is unlike any of other large insurance companies.

The club is managed by a senior team headquartered in Texas who recruit independent sales partners to assist the club members.

All of these independent sales agents are rigorously checked to evaluate that they follow the stringent quality criteria set by the management.

Each representative is vested in the company after ten years and retains full commission even if a member cancels a particular service.

The savings from this corporate model are then passed directly to NMC members.

Should you invest in National Motor Club coverage?

Only you can decide if this is the right coverage for your needs and budget. Take a look at customer reviews and customer complaints on National Motor Club’s BBB business profile to get more information.

You should also compare National Motor Club rates and services to those of other roadside assistance companies, like Allstate Motor Club and AAA.

Compare your National Motor Club auto insurance rate quotes online with quotes from other top car insurance providers; just enter your zip code below to start now!

References:

  1. https://www.allstate.com/roadside-assistance.aspx
  2. https://www.nationwide.com/comprehensive-coverage-definition.jsp
  3. https://nmc.com/MemberBenefits/