Edit for 2nd attempt at claiming in the 3 years. Be warned - SCAM COMPANY. My husband had the electric handbrake fixed on the vehicle prior to the mot a few days later.. this company refused to pay out stating we had no MOT failure cover… we had specifically got the handbrake fixed due to the light on the dashboard on 16th December and the MOT wasn’t due until early January. The garage dis the MOT early, before Xmas to return the vehicle to us and keep the mot date the same and now these a**holes have decided it isn’t covered on the warranty! Im going to seek legal advise for this as this company refused to payout for anything over the 3 years we had gold cover!!!! Original review - Charged an arm and a leg for extended cover but wouldn't pay out for work we needed to have done. Took forever to reply to initial email so chased. Eventually replied and refused to pay out. Wouldn't recommend them. Won't use them again in future.