Click 4 warranty, read the small print, they do not cover the built in sat nav, mate of mine had his stepper motor go on the sat nav, they would not pay, as it was part of the navigation?? another mate of mine had a gear box problem on a Honda and they refused to pay at first saying it was wear and tear, on a car with 38000 on the clock. after threatening lagal action , they reluctantly conceded, but he still had to pay £100 as they have different excess on different items relating to milage.
I did a lot of searching around and eventually stayed with BMW, never had a problem with them.