ALL 3rd party warranties I have come accross including this shower are a waste of time and money... Excuses not to pay include;
Has to have comletely failed - cannot be intermittent. Well thats just about every electrical issue out then
Dont cover things which "could be" pre-esxisiting. Unless they inspect the car before taking out the policy then they can always use this. Any failure can be argued as having been waiting to happen..
The amount they pay is based on typical payouts - they make money doing this. Put the same amount in a building society to cover for unforeseen issues.