I have a warranty direct policy on the discovery. Paid out for 2 front arms today as the bushes were worn. Check the small print and decide for yourself. I'm coming to the end of my 2nd year with them and this is the first year it's been financially beneficial. But I do like the peace of mind that if the disco lies down on me, they will cover recovery, a hire car and hopefully the repair. I've also negotiated zero excess on the policy which meant £50 more on my years premium but saves me £50 per claim.