People buy protection because they feel uneasy about the car, which is a real feeling but a poor shopping list. Before you pay anyone to cover a risk, you should be able to name the specific failure that keeps you awake and describe what it would do to your week.
Signs you do not yet have a clear problem
You are buying to feel calm rather than to cover a known gap. You cannot say what would happen if the car failed on a highway, at work, or on the way to a medical appointment. The worry is general, and the proposed fix is general too. Those are signs to slow down, not signs to sign.
Write the failure in one sentence
Complete this sentence: if the engine, the transmission, or the electrical system fails, the immediate problem for my household is. Then add the consequences: how you would get to work, who would drive the children, whether you would need a rental, and whether you would have the cash to keep the car moving while a claim is reviewed. The sentence makes the problem concrete enough to test.
Test the contract against the sentence
Only after you have the sentence should you read the coverage section. Look for the systems named in your sentence and check whether they appear in the list of covered parts, the list of exclusions, or neither. A broad promise is not the same as a clear match. If the part that worries you is not clearly listed, the contract may solve a different problem than the one you have.
Decide what is left over
Some risks will stay with you whatever you buy. A contract does not remove the need for a cash cushion, a backup way to get around, or routine maintenance. Name those as well, so you know which gaps are yours to plan for. If the contract covers a clear risk and your household can absorb the rest, the purchase has a reason. If not, you have learned something useful before any money moves.