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One time the radiator hose had burst, the other time, on another car, the battery decided to die.
So yep very useful to have - mine is also via Barclays.
Punctures don't seem to be getting less for me, if anything I get more these days and since they are all branded tyres a puncture works out expensive what ever 'cover' you had. You might get home on a recovery vehicle late at night but in the morning you are at home with a flat tyre!
"Take these three items, some WD-40, a vise grip, and a roll of duct tape. Any man worth his salt can fix almost any problem with this stuff alone." - Walt Kowalski
"Only two things are infinite - the universe, and human stupidity. And I'm not sure about the universe." - Albert Einstein
So, probably staying where I am but worth looking at the small print sometimes.