And yes, this cancellation fee is clearly disclosed in the ESP terms and conditions.
One of the reasons that we charge a cancellation fee is to discourage customers who like to cancel their policy after they finish their RV season and then start it up again the next year. This is a bad practice because it means that you lose your locked-in guaranteed rate and your RV will be rated as an older vehicle at the rates in effect next year. Not only that, but anything that breaks while the RV is in storage ( which is when many parts fail from disuse as seals and gaskets dry out) are not going to be covered. .