It has been my experience that these 3rd party extended warranties are a ripoff. Too many loopholes and a ridiculously difficult process to file a claim. Most, if not all, will not use new OEM parts, they will insist on supplying their own refurbished/reconditioned parts. My trusted mechanic of 20 years refuses to deal with them. I found this out after shelling out $1800 for a 4 year warranty through a dealer. Lesson learned. As Mach5 said, I would have been better off just setting that money aside. Buyer beware!