I have a motorhome and took the Gold Motorhome policy out after my manufacture warranty expired after two years. So since then I have paid three years of premiums. Well insurance claims are a bit like a London bus, you wait ages and in my case three come along at once. Yes my MH has been laid up for six months due to the Winter and Covid lock down. Then go to use it in March 2021 when allowed and its one thing after another that goes wrong. Claims put into the company all agreed within a couple of hours.