Warranty

[mecki]

By the look of it you have to (or they) define exactly which parts are covered in your policy and pay accordingly.
I don't know, but maybe the cheaper policies only cover the engine and nothing else.
The advantage is that they offer to include wear and tear while the factory warranty only covers material and manufacturing faults, the disadvantage is that if something else breaks even if it is due to poor material or manufacturing (i.e. warped disks or flaking paint) you're out of luck.