I took out the warranty on my 1200ADV after the second year but chose the middle price with me picking up £50 excess and guess what, a week later the fuel pump controller went so I was glad I had the warranty but kicked myself for not taking out the zero excess option.
Now my rear shock has burst and they say it is not covered as it is only warranted up to 30K miles and I have done 48K. The dealer is pushing for a "good will" gesture but I can guess how many fingers the gesture will contain