are you sure they will replace it without any cost? I would research that cover totally.
Gap you can cover most cars any time so even on year 5.
I use Frank Pickles as they very good Gap insurance.
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Remember: 'Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways - Beer in one hand - Burger in the other - body thoroughly used up, totally worn out and screaming 'Yeahh Baby!'