plate 2010 Car giant offers £800 for 3 years but need to buy at the same time as car, will cover only failures of parts + labour. Warranty direct £1100 for 3 years can tak any time ( I suppose Car giant will cover cover for 3 months under statutory rights and then I could buy Warranty direct - covers wear and tear + failures of parts and labour. Both have £50 excess. which one woudl you choose?