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Atreyu, sounds familiar in a jampot kind of way…I have my bikes with Peter James and will echo the comments above about how good they are. Happily I haven’t had to put them to the test with a claim but have always found them very easy to contact and deal with. Other people I know have tested them and been happy. (ok, I admit to trying out the recovery service last year-it worked fine-just as a test you understand 🙄 You always get through to a human being on the phone, they never take long to find the answers to queries so will soon be able to tell you yes or no. 23? I thought I was a younger member at 57! Ahh well, just one more illusion shattered. My Granddaughter doesn’t think much of my dancing either, that was another shattering moment this weekend 🙁