This one looks interesting to me

http://www.warrantydirect.com/

Quote depends on model of course. 

The MB Warranty sounds more perfect but it costs more of course..

I checked out Warranty Direct and they certainly have more options. I'm somewhat bothered by their list of exclusions, even for the Premier coverage. I copied and have pasted below. Exclusions A, B and C concern me most. Is there something I'm not reading correctly?

This Vehicle Service Contract Provides NO Coverage or Benefits for the following:

A. BATTERY; SHOCK ABSORBERS; MANUAL TRANSMISSION CLUTCH ASSEMBLY; FRICTION CLUTCH DISC & PRESSURE PLATE; THROW OUT BEARING; MANUAL AND HYDRAULIC LINKAGES; SAFETY RESTRAINT SYSTEMS (INCLUDING AIR BAGS); GLASS; LENSES; SEALED BEAMS; BULBS; BRAKE ROTORS & DRUMS; TV/VIDEOGAME SYSTEMS; WEATHER STRIPS; EXTERIOR BODY PARTS/ORNAMENTATION; PAINT; UPHOLSTERY & CARPET; TIRES; WHEELS/RIMS; EXHAUST SYSTEM.

B. EMISSIONS SYSTEM; GPS NAVIGATION SYSTEM, DVD ENTERTAINMENT SYSTEM; PHONE SYSTEM; INTERNET ACCESS SYSTEM; AIRBAG ELECTRONICS EXCEPT FOR THE SPECIFIC PARTS LISTED IN THE LUXURYCARE+ COVERAGE STATEMENT.

C. MAINTENANCE SERVICES AND PARTS DESCRIBED IN YOUR VEHICLE'S OWNER'S MANUAL AS SUPPLIED BY THE MANUFACTURER AND OTHER NORMAL MAINTENANCE SERVICES AND PARTS INCLUDING, BUT NOT LIMITED TO: ALIGNMENTS; WHEEL BALANCING; TUNE-UPS; SPARK PLUGS AND SPARK PLUG WIRES; GLOW PLUGS; HOSES; DRIVE BELTS; BRAKE PADS; LININGS AND SHOES; DRUMS AND ROTORS AND WIPER BLADES. FILTERS, LUBRICANTS, COOLANTS, FLUIDS AND REFRIGERANTS WILL BE COVERED ONLY IF REPLACEMENT IS REQUIRED DUE TO A COVERED FAILURE.

D. ANY COMPONENT NOT COVERED BY THE VEHICLE MANUFACTURER FOR THE FULL TERM OF THE VEHICLE WARRANTY IS EXCLUDED.

E. ANY FAILURE RESULTING FROM COLLISION; INTERNAL OR EXTERNAL FIRE; THEFT; VANDALISM; RIOT; EXPLOSION; LIGHTNING; EARTHQUAKE; FREEZING; RUST OR CORROSION; WINDSTORM; HAIL; WATER OR FLOOD; ACTS OF GOD; SALT; ENVIRONMENTAL DAMAGE; CONTAMINATION OR LOSS OF FLUIDS, FUELS, COOLANTS OR LUBRICANTS.

F. ANY FAILURE CAUSED BY MISUSE; ABUSE; NEGLIGENCE; LACK OF NORMAL MAINTENANCE REQUIRED BY THE MANUFACTURER'S MAINTENANCE SCHEDULE FOR YOUR VEHICLE; IMPROPER SERVICING BY YOU AFTER THE EFFECTIVE DATE OF THIS CONTRACT; SLUDGE BUILD-UP OR NOT MAINTAINING PROPER LEVELS OF LUBRICANTS AND/OR COOLANTS; OR NOT PROTECTING THE VEHICLE FROM FURTHER DAMAGE WHEN A FAILURE HAS OCCURRED.

G. ANY REPAIR OR REPLACEMENT OF A COVERED PART IF A FAILURE HAS NOT OCCURRED OR IF THE WEAR ON THAT PART HAS NOT EXCEEDED THE FIELD TOLERANCES PERMITTED BY THE MANUFACTURER.

H. IF ANY ALTERATIONS HAVE BEEN MADE TO YOUR VEHICLE OR YOU ARE USING, OR HAVE USED, YOUR VEHICLE IN A MANNER NOT RECOMMENDED BY THE MANUFACTURER. THIS WILL INCLUDE, BUT NOT BE LIMITED TO, THE FAILURE OF ANY CUSTOM OR ADD-ON PART; ANY FRAME OR SUSPENSION MODIFICATIONS; LIFT KITS; OVERSIZED/UNDERSIZED TIRES OR WHEELS; TRAILER HITCHES; AND OR MODIFICATIONS TO THE ENGINE, EMISSIONS OR EXHAUST SYSTEMS.

I. IF YOUR ODOMETER HAS CEASED TO WORK AND REPAIRS HAVE NOT BEEN IMMEDIATELY MADE; THE ODOMETER HAS BEEN ALTERED IN ANY WAY SUBSEQUENT TO PURCHASE; OR IF VEHICLE'S TRUE MILEAGE CANNOT BE DETERMINED.

J. ANY LIABILITY FOR PROPERTY DAMAGE, OR FOR INJURY TO OR DEATH OF ANY PERSONS ARISING OUT OF THE OPERATION, MAINTENANCE OR USE OF YOUR VEHICLE, WHETHER OR NOT RELATED TO THE PARTS COVERED. LOSS OF TIME, PROFIT, INCONVENIENCE, OR ANY OTHER LOSS THAT RESULTS FROM A FAILURE (EXCEPT AS PROVIDED UNDER THE BENEFITS OR COVERAGES HEREIN.)

K. REPAIRS TO SEIZED OR DAMAGED ENGINES DUE TO CONTINUED OPERATION WITHOUT SUFFICIENT LUBRICANTS OR COOLANT. YOU ARE RESPONSIBLE FOR MAKING CERTAIN THAT THE OIL AND TEMPERATURE WARNING LIGHTS/GAUGES ARE FUNCTIONING PROPERLY. YOU MUST PULL OFF THE ROAD IMMEDIATELY AND DISCONTINUE VEHICLE OPERATION WHEN EITHER OF THESE LIGHTS/GAUGES INDICATES INADEQUATE PROTECTION OR PERFORMANCE.

L. SALVAGED TITLE VEHICLES; WHEN RESPONSIBILITY FOR A REPAIR IS COVERED BY AN INSURANCE POLICY; WARRANTY FROM THE MANUFACTURER INCLUDING EXTENDED DRIVE TRAIN, MAJOR COMPONENT OR FULL COVERAGE WARRANTIES; A REPAIRER'S GUARANTEE/WARRANTY; OR FAILURES FOR WHICH THE MANUFACTURER HAS ANNOUNCED ITS RESPONSIBILITY THROUGH ANY MEANS, INCLUDING RECALL CAMPAIGNS AND FACTORY SERVICE BULLETINS.

M. IF YOUR VEHICLE IS USED FOR TOWING A TRAILER OR OTHER OBJECT OR VEHICLE WITHOUT BEING EQUIPPED WITH A FACTORY INSTALLED OR AUTHORIZED TOW PACKAGE; OR IS USED FOR COMMERCIAL PURPOSES, INCLUDING, BUT NOT LIMITED TO, RENTAL, TAXI, LIMOUSINE, LIVERY OR SHUTTLE, TOWING OR ROAD REPAIR, CONSTRUCTION, FARMING OR AGRICULTURAL PURPOSES, JOB SITE ACTIVITIES, HAULING, POLICE OR EMERGENCY SERVICES, PRINCIPAL OFF ROAD USE, RACING, COMPETITIVE DRIVING, SNOW REMOVAL, ROUTE-WORK, SERVICE OR REPAIR.

N. ANY FAILURE OCCURRING PRIOR TO THE CONTRACT PURCHASE DATE, OR IF INFORMATION PROVIDED BY YOU OR A REPAIR FACILITY CANNOT BE VERIFIED AS ACCURATE OR IS FOUND TO BE DECEPTIVELY INACCURATE.

O. ANY FAILURE OCCURRING OUTSIDE OF THE UNITED STATES OF AMERICA OR CANADA .

P. DAMAGE CAUSED BY PRE-IGNITION DETONATION, PINGING, IMPROPER/CONTAMINATED FUEL OR IMPROPER ENGINE ADJUSTMENTS.

Okay, A & C are mostly consumables/wear-and-tear items, which are propertly excluded. But B, specifically the GPS Nav exclusion, concerns me most as it's a prime reason for me considering extended warranty in the first place (COMAND is on the order of $6K to replace).

If you go to this page http://www.warrantydirect.com/compare_coverages.asp and hover over the red check mark on GPS Nav in the first column, it lists the specific components which are covered. At least that's what I think it means, although it simply says "specific coverage details". This page confirms that interpretation. "GPS Navigation Systems - Navigation display unit, navigation control module, navigation system wiring harness." So the question becomes, what other parts of GPS systems are at risk? Similarly with the emissions control system coverage.

It's also possible that WD has changed this since my previous review of their offerings. I'm going to ask them for clarification.

Frankly I wish they didn't include damage due to overheating. Runs up the price and rewards careless drivers.

One good thing about this company is that you can pay over time for a very slight additional charge. Aside from any budgeting advantage you may appreciate, it sort of insures you a bit against the company either 1) not covering you as you expect and/or going out of business. They even (and otherwise) offer a pro-rata refund on cancellations.

Thanks CJ, I'll check that out!

Meanwhile, WD responded -- quickly although not terribly comprehensively -- to my query.

So the question becomes, what significant components of the GPS (or COMAND) are at risk but NOT described in this short list. Anyone??  I guess all non-GPS parts of COMAND are covered?  We need someone with direct experience..

Would it not have been easier for them just to list things that ARE covered? 

^^^ Actually, no.  The experts tell us to look for 'exclusionary' policies only.  The (usually cheaper) inclusionary policies which list 'items covered' invariably produce lesser benefits.