For me it was when I last bought a new car like 12 years ago when Chrysler was still doing lifetime extended warranties. It was like an extra 4k and a couple people said I was foolish for it, “just learn to fix it yourself blah blah blah”.
In the 12 years since, I’ve had an estimated $15k worth of work on it, to include a full transmission rebuild at a whopping out of pocket cost of just a couple hundred bucks (it’s like a $50 deductible each time or something).
I’ve gotten my money’s worth many times over IMO, and it even saved my ass during a long road trip once.
Ofc it was actually good, so Chrysler stopped doing new ones lmao
This consumer electronics store here in Norway offer what I refer to as dumbass-insurance. If you break your TV/phone/whatever, they give you a new one if it can’t be repaired. And it covers literally everything, as long as you still have the damaged devices.
It’s relatively expensive, but as a parent of four, this has covered the cost of quite a few things in our household.
It might take a while for them to replace it (they may not have the exact device in stock), but it’s worth it for me.