Just spoke to Crusader, many thanks for the call Adam. Seems that there is an aspect to the Zurich cover that needs to be clarified by Kinve on their datasheets. Although the detailed info above confirms that the performance warranty is covered by Munich RE only, their datasheet could be read to suggest that the Zurich insurance is also linked to a performance warranty - which is incorrect and needs to be clearer. I'll leave this in Kinve's court as whilst I do believe that they are providing a well-rounded level of insurance cover, they provisions and limitations of this cover from each provider are not clear on the datasheets, which could cause some confusion, and concern from Zurich themselves.