Same here been with them 4 years, never made a claim so hopefully all ok. Only thing which is a bit vague in the small print is whether i'm still covered when the boat is home over winter and during travelling home and back again in spring on the trailer. Will have to give them a ring to clarify.
One thing to be aware of which has narked a few on other forums is if an outboard is stolen they reduce any payout by 10% a year from new I think sealing at 30% so if your outboard is 7 years+ old you only get 30% of the cost of a new same size replacement.