JLR warranty or independant insurance?

[huytonman]

I'm in the process of buying a 2008 Discovery 3 2.7D with 55k miles which has an extended LJR warranty until early January. Knowing that these cars arent paragons of reliability I want to keep some waranty cover in place and initially thought I would simply extend again with JLR - due to the age of the car they will offer their select option which costs around £720 for the year but has an upper cliam limit of 3k/claim and of course wear and tear is excluded. The alternatives would be something from WarrantyWise or WarrantyDirect - both have mixed reviews but im hearing the latter is now much improved and does cover wear and tear - the prices are around the same as JLR maybe even a bit higher without haggling.
Anybody got experience of the above and any advice? Im not in the mode of sticking the eqivelant amount/month into a bank account as a failure fund, if something big like the transmission fails I'l be left out of pocket big time and its big failures that worry me.
Thanks
Keith

[bakerstreet]

huytonman said:

I'm in the process of buying a 2008 Discovery 3 2.7D with 55k miles which has an extended LJR warranty until early January. Knowing that these cars arent paragons of reliability I want to keep some waranty cover in place and initially thought I would simply extend again with JLR - due to the age of the car they will offer their select option which costs around £720 for the year but has an upper cliam limit of 3k/claim and of course wear and tear is excluded. The alternatives would be something from WarrantyWise or WarrantyDirect - both have mixed reviews but im hearing the latter is now much improved and does cover wear and tear - the prices are around the same as JLR maybe even a bit higher without haggling.
Anybody got experience of the above and any advice? Im not in the mode of sticking the eqivelant amount/month into a bank account as a failure fund, if something big like the transmission fails I'l be left out of pocket big time and its big failures that worry me.
Thanks
Keith

Someone had an engine go and posted about it here. Think they paid £7k all in and that wasn't a JLR job either. It's a point worth noting considering the 3k limit.

I have a friend who had a clutch replaced on a d3 by warrantywise and then were fine with it.

[IroningMan]

Warranty Direct sold me a three-year policy for about £1,600. No wear-and-tear concerns after the first 90 days, no 'betterment' and a 'reset' if no claims in the first six months.

Claim limit is the value of the vehicle. Doesn't cover everything, as the car is too old/high mileage for their most comprehensive policy, but does cover all the main headaches.

The JLR extended warranty is bought-in from a commercial warranty provider.