I have always appreciated the peace of mind an extended warranty offers. I have had a few claims, and the size of the claims have helped balance the expense of the warranty. I have not really kept track of who is winning this race. Contact the folks at Wholesalewarranties.com. Steve and his crew will give you honest low pressure answers to you warranty questions, and the prices they offer are very competitive. JMHO on this. As for extended warranties as a class: You MUST follow all the rules in the contract. Claims must be made promptly, no work can be authorized or started prior to the claim approval. Many policies (mine) permit diagnosis naturally, and emergency repairs not to exceed $300 prior to approval. My experience is that approval, or rejection for additional information, is usually pretty prompt, on weekdays. During my two experiences with what I would consider major claims while with Wholesale Warranties went very smoothly. WW acted as my agent, I had to file the claim, but they helped me compile the required data, then they called me regularly to make sure the claim and repair were going smoothly. On the claim for my hydraulic jack failure the warranty company was not responding to the shops request to repair all 4 jacks because of damage when the one jack failed. WW spoke with the warranty company's CEO on my behalf and the claim was authorized. So there is my humble opinion. Happy Trails.