Honestly ? Man, I don't even know. The contract I had thru Fidelity was a mechanical breakdown (no wear and tear). I didn't learn that concept until after I had bought it. Fortunately I never needed to use it. When the time comes I will start the process again and research. For the coverage I am looking for on the powertrain, (mechanical breakdown AND wear and tear), one thing for certain is it will be ridiculously expensive.
The other school of thought is to do what others here say to do: put away money for the inevitable repair costs. That is why I look at it strictly from the engine. Water pumps, etc won't hurt too much. But the engine on the other hand....
