How many people take out warrentys/Break down cover?

[Jay]

I'm insuring my car soon. Took out cover last year with Swift cover with breakdown insurence. Then I hear about AA breakdown cover, where you can claim up to £500 etc for around £170yr. Bought and cancelled this as my garage said the slave cylinder would be seen as wear and tear (knowing someone who works for that side of AA).
Warrentty direct wants £277 with the cover of some wear and teer and no £500 limit. They pay up to a resonable price to what your cars worth.
The only time I used my breakdown cover over the year was because of a dead battery, and then it cost me £90 for a replacement.
I used to buy cheap run arounds with no added cover and never much problem.

MOD's. It would be good to see a poll if its of any interest.
1. People who take out no extra cover.
2. Those who take out basic to middle cover ie brake down at roadside/home start.
3. Those who take out Warrenties, AA/RAC full cover including parts and garage expensis.

With car insurence being so high who can afford to not gamble the extra cover? ie last year insurence, £500 including #2 of cover. This year £500+ before any cover is added.
Jay