IMO not worth. too restrictive with modifications and you have to generally visit more expensive places for proof of servicing as a requirement of meeting your end of the insurance. also like Joker mentioned, heard from many others who have had it about same issue of certain things being considered as multiple jobs and therefore requiring multiple excess. They also seem to have a cap of how much they will pay out per claim / overall.. would just save the money for proper maintenance especially given the prices for most subaru parts are not very expensive should it come to that.