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I've got the top level coverage from Warranty Direct with emissions coverage. I actually spoke to a human on the phone, and they answered all my questions. The top is covered (although not against wear), as well as all seals. And they'll cover repairs at the dealer. Price for my 2001 was a little over $2k to extend coverage to 100k miles or four years. At the time I think my car had 44k on it and had one month left on the warranty.
I've not yet had to use it.
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