We have been trading 15 years, gave up using warranty companies after approx 2 years for same reason as you, even after they had taken thousands from us, refused to help with a head gasket problem. If the warranty company refuses, we can still be liable so have to pay & get it sorted anyway! we do it all off our own back now, why not have their profit aswell? That way if there's a problem, there's plenty of money in the kitty to pay for it! Some people have a separate account & put a set amount away after every sale.