Does anyone have any experience with third party warranties? I'm thinking of paying for something like the above from Warranty Direct, however you here so many horror stories about them not being worth the paper they are written on.. Parts have to fail before they will be replaced, then you only get a 40% contribution which takes lots of paper work to achieve etc etc?? Or, maybe 3rd party warranties have saved some of you lot ££££££ in the past? I would love to here anything to help me form an opinion on which company to go with - if at all! Cheers in advance for any feedback! James.