Thanks for all the replies. We got a quote from Camper Care but it was only very slightly cheaper than Covi so with all the hassle involved with moving I guess we will just stick with Covi I agree "idex" that you cant expect insurance to cover everything but we still feel that water damage is a major risk for motorhomes and certainly its a major problem for electrical equipment!
Unfortunately I don't still have the NZMCA email reply re why they wouldnt publish my letter (my computer died last year and I lost all of my saved emails) but I can assure you they did refuse to publish it (and it was *very* politely written!) Just think when was the last time you read a letter to the editor about Covi that was anything but full of praise? Hence why I decided to post here to see if I could get some unbiased feedback!