When I bought a 13 years old caravan, I found some items were in fact not serviced or properly serviced by professional as service checklist mentioned. I decide to do service myself. Some insurance companies require annual professional service, and other not, just mention caravan must be in roadworthy condition or in good state of repair. I don't see any damages to be covered are related to roadworthy condition. Has anyone's claim been denied for DIY service or for bad state of repair?