My only experience is them calling out of the blue claiming my new trucks warranty is about to expire after a week and maybe 200 miles. Now they just robo dial me once a week claiming this will be their last call, but I know it wont be.
See if they require photos of broken or worn out parts. Happened to a coworker on some leaking AC hoses. Just because they say they cover a part doesn't mean they'll make it straight forward to get any money out of them. They've always given off a scammy feel to me. I go the self insured route.