I have an update on using this policy. I have a 3 year "diamond" policy that is "bumper to bumper" ($200 deductible). I bought it through a broker when I bought my 2003 Beaver in January. Basically they cover most things except existing problems at policy purchase. They required an inspection.
I used it this week for the first time at BCS. It was easy for BCS to get authorization via a phone call with no adjuster visit necessary. They covered the three items (backup camera, Aladdin black/grey tank sensors and new hydraulic lines for the front slides). The only twist was they covered a maximum of $80/hr labor and BCS charges $120/hr.
So, bottom line I am pleased with the coverage and ease of use. The labor rate issue is not good, but considering what I paid for the coverage ($4500 for 3 years), I am not unhappy.