I have only had my RV for 11 months and have use 1/2 the purchase price of the plan. I have 3 years to go but actually hope I don't need it. When I did need it I was very glad to have it. I purchased it as this was the 1st RV outside of a truck camper I have ever had. I knew I didn't know how to fix many items on it and didn't want to have to worry about it. No different than the roadside assistance. I am making a 4,000 mile trip in a month and didn't want to worry about an issue on the road. My plan was expiring but I renewed it. It is a lot like gambling but you do get a piece of mind by having it. I don't have the time to deal with any issues and I do have the money to buy the insurance. That is my take on it.