I can see what they're trying to say, but i agree with the above poster. It's the car they're after, not breakdown cover etc. If you have enough spare cash to play around with, you could always take the risk of a 12 month contract and track if it has an impact. If not, don't bother.
Also worth ensuring you get cover regarding lost keys. I didn't and ended up using my local locksmith clifton. Don't get me wrong, they did a fantastic job for a great price, but it was out of my own pocket!