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When my car turned three years old in September last year I took out an extended warranty with warranty direct.  I took out a belt and braces one which means I can continue to take my car to the BMW main dealer with any problems.  Even so it worked out a lot cheaper than the BMW extended warranty option.  So far I have used it just the once and it was fine, I booked it in with the dealer and gave them the warranty direct policy number.  I had to provide a copy of my MOT and service history but that was it, the rest was dealt with by the dealer and warranty company.

I prefer the peace of mind that a warranty gives me, but it wouldn't be right for everyone.

My car has just run out of its manufacturer's service and maintenance warranty, at the end of 4 years.  This covered everything except the tyres (I change them before the accepted minimum tread). The warranty covered parts and labour, with no excess, and even the MoT charge.  For the last MoT, they changed the cambelt before the test because the vehicle was coming up to 4 years old, even though the mileage was only 33,000.  It was £20.68 per month, based on 10,000 miles per year.

I take delivery of a new car on March 1, and think I will take out same cover again, even though it has gone up to nearly £28 per month.  It does give you a guaranteed outlay outlay on monthly running costs, with no unpleasant surprises.

Bertie.