I haven't used them, but I have dealt with Warranty Direct, many years ago. They appear to be a low cost subsidiary of Warranty Direct, according to their web page.

Too many exclusions in my opinion. The engine parts that are covered are "lubricated internal engine parts". That is why they have the ridiculous oil change requirement. The trouble is, pistons, rings and crankshafts are very uncommon failures. They don't cover any of your fuel system, ignition system, engine or vehicle electronics, suspension system, or steering system. They do cover transmission electronics, but that is a lot of coin for just that coverage.

How about Warranty Direct, do they offer something with fewer exclusions? Also, I wouldn't go for a zero deductible, a reasonable deductible is fine, and you are paying a hefty premium most of the time because they know they are going to get nuisance claims with no deductible.

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2007 X3 3.0si, 6 MT, Premium, White

Retired:
2008 535i, 6 MT, M Sport, Premium, Space Grey
2003 X5 3.0 Steptronic, Premium, Titanium Silver
2002 325xi 5 MT, Steel Grey
2004 Z4 3.0 Premium, Sport, SMG, Maldives Blue