Not sure there really is an answer as it is all a gamble on what goes wrong, if anything, with the car. In my case the total of the 2 claims was only about £400 of which I got back about £250. I could probably have got at least another £250 off the price of the car without the warranty when I bought it so I have possibly lost a little in strict financial terms.
However if the gearbox or engine had gone bang during those 2 years then even if I had not got all the repair paid for, I would have hoped to get something out of the warranty. So it has given me a bit of peace of mind thinking I would not have had to pay for the whole of any big bills. That is really what I am talking about with a cushion.
I would do as you have tried and google a bit to see which warranty companies come out best in reviews.
Rob
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