Was in pretty much the same position as you at the start of last year with Payment Shield – had been paying for “cover” for four years, when it was explained to me what was involved in actually claiming, job seeking plans, constant phone calls enquiring about what I was doing to get a job etc I thought it was more hassle than it was worth. If you think it is a nice oppurtunity to get the bills paid and go cycling it ain’t. Sorry to pee on your chips.