If you get Rac breakdown, you can get a breakdown warranty for £60.
Gives you 5 claims a year up to £750 each time and quite a bit is covered.
I claimed on a rear spring on my Z4 and a turbo pipe on my Xc90 in the last 2 years. I also use Warranty Direct for my vans and they have been very fair over the years. They paid out £3,000 last year.
Under the fsa, warranty companies can't wriggle out of claims if it's covered in the terms like they did years ago.