using a 13kg everyday lasts about 7 weeks for me ... Regarding insurance didnt mention it as if I need to take the bottle out no problem but thinking about using cold water by bypassing the shower as the windows come up clean with cold water and just wasting money using hot with refilling the gas mind you only costs £24 a refill but found the water pressure drops going thru the shower and I like a fast pressure !!!! Will use the hot on those frosty days when it arrives !!!!!!!!!