Generator - do I need a maintenance contract.

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It is a 7 year old 20GGDB Onan generator. I bought it because of 4 hurricanes in a year.
For 7 years it has been under contract and the only work it has done is excercise itself automatically every week. Well it broke the excercise board $805.50 + labor and tax. I found out that my contract only covers preventative maintenance once a year.
Kevin M - I know I should have read the small print. I found out this excercise board is proprietary equipment (Onan) so I can't just call another company and make a deal.
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