Same here. Everything, car tax, bike tax, insurance, MOTs all renew in February as that's when I purchased them. I took this Street for it's 12,000 mile service in February 2020. When I got to the dealer (not the current dealer) they said "You've got a new clutch", "But why?" I asked "There's nothing wrong with this one". They said "Don't worry, it's under warranty". I went on to say "But there was nothing wrong with it, are you suggesting that I ruined a clutch?". They told me not to be paranoid.
I left. It was cold and dark so I was in no hurry going home and the clutch slipped. I phoned them the next day and told them it has slipped and they said "It just needs to bed in". I've since found out that that is a load of cobblers - clutches don't bed in. You know the rest of the story.
What I've not mentioned is that if I go for the deal, the Speed Twin, I'd have to borrow the money until April which I don't want to do. It won't put me into hardship by any means but I've a plan to be completely debt free by the end of April with a new bathroom to boot and getting into more debt right now is unnecessary unless I really must have a new bike this minute (which, of course, I don't).
All online avenues point me towards the Citizens Advice Bureau so I'll give them a phone today.