The only other consideration I would have is mileage or cash back from paying for it with a rewards card. For me, charging and paying cash is the same - since I pay off my bill in full each month. In a situation like this 2% is the same as the cash back rewards card I use... so I'd opt for the card to get the amex extra warranty stuff. Or - if I was close to rewards ticket - I'd use my visa that gets me 2 miles/$... it's a big enough item to make the miles significant. 3% difference... I'd have to do the math on the rewards vs savings - and would probably opt for savings.

Thanks all for your very helpful input - I too am very interested in the responses. We're doing a complete rebuild of our kitchen. The contractor is now able to start 2 months early so we're ramping up rapidly! We were just in the appliance store and looking at the following: - AEG induction cooktop - Fisher & Paykel counter-depth french door fridge - Fisher & Paykel wall oven - Bosch dishwasher - model with the top cutlery rack - Panasonic microwave - pull-out vent hood I didn't write down all the model numbers, too confused after a while, so just waiting for the estimate to come in. We have a $10K CAD budget and I know we're getting a good discount as the Bosch was listed at around $1500 and she said we'd be getting it for around $1000. We picked the FP fridge mostly because we loved the handle profile and stainless look and colour. We're waffling on the FP wall oven as it's very black (cabinets will be white slab, perimeter and island counters likely Vicostone sparkling grey) plus getting conflicting reports on if FP wall ovens are good or not - plus review of FP fridge not being cold enough. However some of the other wall ovens were quite a bit more expensive so not sure we can afford them. The store (Midland Appliances in Vancouver) is getting an AEG wall oven in a week so we're going back to see it when it's in. We want the Bosch dishwasher as it's very, very quiet. We've had 2 Bosch DW in the past. Unfortunately the first died after 3 years - apparently we used too much liquid soap, our water is very soft and it corroded? through the plastic line out, we burnt out the motor running it full of water?? But we liked the quietness and operation so much we still bought another Bosch last year. The new one with the top cutlery rack doesn't actually wash as well as our 2010 model but we're still getting it again because of the quietness. Loved the Miele speed oven with convention and microwave but way too expensive. We thought we could combine the microwave and toaster oven in one appliance but for the price, we could buy 10 of each so that was a non-starter. Just going with a big Panasonic MW that we will put under the island counter hopefully. If anyone has experience with any of our current choices, especially with FP, would very much appreciate it.

Chisue, I might feel better if it was from Jag rather than a 3rd party but I really have to agree with dees_1's suggestion. Again, things CAN break down even on well-maintained vehicles. But, with all the usual loopholes often in these warranties, to say nothing of service contracts, it's still iffy. Just a side comment: A friend has a Subaru Outback, purchased new and he maintained it quite well. Not mechanically inclined so into a shop for any service. At 30,000 miles he was required to spend $3500.00 for essentially a tuneup. Had he not spent that, they'd void his warranty. And the items covered by the "tuneup" could have been done at a normal shop for probably 1/4th or less but it was specific that it had to be done at a Subaru dealer, where they could control the price. Lesson: Thoroughly read that contract! It's legally binding. I compared my buddy's situation to the situation now with printers. Sell the printer cheap and charge the daylights out of you for ink! And void a warranty if you used after-market ink. Here's a fact and don't take my word for it since it's easily verified: Service contracts are very high profit items. They make big money for these places. The vast majority of people are getting ripped off and few recover what it actually costs. With that in mind, I have big problems with any service contract. I have a position that you go for the best value on most things and if it costs less up front and should break down, you can replace it. If you have a large investment in something, it's hard to *not* repair it, no matter the cost. Case in point: A $2000 washer breaks down - estimated cost to repair $700. If a $300 washer broke down and it costs $500 to fix, buy a new one (or better yet a used one). And yes, occasionally I'll buy something that's not the best value because I prefer it. Keep in mind if you should total the car, (and an old vehicle value is lower so...) you would not be able to collect the cost of the service contract. If you have that money in a bank account, you have that money "reimbursed" to you. Just something else to ponder. Given the amount of miles you put on, I'd say buy what you like and drive it rather than economize. I'm not saying get a different vehicle. My experience with vehicles is that if you have good luck from the start and maintain it reasonably well odds are in your favor. Insurance of any kind when not being abused is seldom a payoff mode but especially so with service contracts. Again, remember the profit margin. Had you been having troubles with it, even nitpicky things that nickle and dime you, then I'd consider a contract. So, I guess after all that, to answer your question, I might not be as hard-pressed against it, but I still wouldn't buy it for myself. I usually think it's better to keep my money in my pocket as long as possible!

Yes, they probably did. They keep the premiums down by keeping as much money in their pockets as possible.