I can also vouch for Warranty Direct. I had cover for about 4 years on a 2.0 HDi Xantia 110. I never had any claims as big as yours, but, over the 4 years I almost broke even. The best bit is that they also provide a rescue service, so you don't need the AA or whoever. they also provide up to 7 days car hire if yours is off the road, and 1 night's hotel accommodation if you get stranded due to a breakdown. Only stipulation is that you have your car serviced at a VAT registered garage. You can claim for some things that aren't even covered under approved warranties! The cover tends to become more expensive and restrictive as the car ages and the mileage rises though.
2008 2.0 TDCi Zetec