why call it gap cover,when you dont cover the gap....

I have been a client of western kaelo for 15 years for their gap cover. historically,although it was always a cumbersome claims process,they paid out . this year the claims process has gotten way more complicated (i suspect purposefully) and the without being informed clearly,their payouts have been heavily reduced. I am cancelling my policy with them and switchign to discovery gap cover. I would not recommend using western kaelo at all.