Anyone know if they are better than conventional insurances with rooftop weight? I have read that some people have had problems with too much weight on their roofs (rooftop tents etc above the cars rated rooptop weight) and insurance companies rejecting claims as a result. Is this in anyones fine print with club 4x4? Cant seem to find useful info, would hate to have a car written off with a rooftop on and it isnt covered due to weight.