I've had this for a few years now, and can trully put my hand on my heart and say it's worth every penny.
It's covered me for head gasket repairs,
module repairs and most recently (last week), an alternator for the Vaneo.
In all instances the repairs have come close to the £500 claim limit, but have left me only facing the excess of £35.
It costs ,e £40 per month, but that provides the same repair cover per claim for my van, bike and both cars, plus I have home start, recovery & relay cover thrown in for us also (even when travelling as a passenger).
The alternator was found to have failed on the Vaneo on Friday, diagnosed by the patrol, driven to my local garage, and authorisation for a brand-new (not reconditioned) alternator was given that same day.
Total repair cost would be £465 (due to the sandwich-floor layout) adding to the labour - cost to me - £35.
Also had a new battery fitted to the van this year, which would've been £150 - again, £35.
I can't recommend this enough, especially if you have more than one vehicle.
It would've been a sore bill just before Chrimbo.