my van has CIL.cover, I have processed two claims over the years and in both cases they exceeded my expectations,so we are not planning on changing,BUT ! you should fully read your PDF and and cover document every time you renew your policy ,as what you were covered for last year may not be the same this year. This is most important especially with the auto clubs extra cover, they say you get $xxx per year but change what they will pay out on.my older policy included windscreen repair,but that has been dropped and they have increased my yearly $$ for running out of fuel, there are many paying customers out there who do not know what they are paying for, i spent a lot of years on a call center complaints phone and a lot of calls started with NOW WHAT I WANT ! often finished with THAT NOT WHAT YOU ARE COVERED FOR . always pays to read the full document, now Drover which tug was on the tow truck ? not a jeep i hope