5 Year Factory warranty v the all in mot, breakdown, and 2 year service plan

Semisonic

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What's the difference 5 Year Factory warranty v the all in mot, breakdown, and 2 year service plan

I have a 5 year factory warranty from new does this cover more works to van than the extended warranty plan ?

Seems they don't cover a lot on the 2 year one and only want to cough up 50% of repairs costs ?
 
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