National Motor Club Car Insurance Review

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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 distinguishes itself by providing low priced car insurance along with roadside assistance and free travel accessories.

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National Motor Club Car Insurance Coverage

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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National Motor Club Membership Basics

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

National Motor Club Membership Levels

The National Motor Club has various levels of membership.

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.

RV, Coach, and Truck Coverage

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.

Feel the Difference

What makes National Motor Club different from its competitor 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.

National Motor Club Operational Structure

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.

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