Well after much reading and head scratching, I was all set to plump with the AA warranty. This did look good until I received and email form Warranty Direct. I had a good read and they actually cover for wear and tear. They also cover the EGR which surprised me. Their cover is far more substantial than others, fully covering the DMF clutch too.
£50 excess, unlimited number of claims per year with max single claim to the value of the car. all usual other perks like hire cars etc.
My car is 2008 CDTI 150 at 70,000 miles and my annual premium is £291.42 for 13 months! This far exceeded the AA who stated they specifically do not cover wear and tear items.
(at the mileage of my car I need to pay 10% towards parts only, so 90% covered on parts and 100% for labour)
good deal me thinks