I have ext warranties before. One was useless, it was from a Toyota dealer in St Mary's Adelaide. The things that were covered was like pistons... and rods?? Yet when my head was completely stuffed they said $1500 bucks. Yet we had a warranty at CMI Toyota in South Adelaide and they replaced a whole steering rack at no charge, even though it was not really a major issue as a lot of this model Camry's make the same rubbing sound, when turning the wheel. In the OP's case I thought they would be obligated to meet their part of the contract??