i think i had a good result here
surf and protect are the company, and you can buy 3years of gap, but delay the start date by a year if you want (IE sheila and her wheels will look after the 1st year with new for new cover) so I kind of have 4years gap for the price of 3 years, and just hope and pray that it gets nicked 3.75 years down the road.
15 grand limit , £230, back to replacement invoice cost.
Bob's your uncle