On page 2 you see that the platinum is an exclusionary service agreement. I'm okay with fabric, trim, and wear part being excluded. Nor am I expecting them to cover me if I am using my car for commercial purposes.
You're skipping several relevant items that aren't covered...
- Belts, fluids, glass, hoses, heating hoses/lines/tubes, light assemblies/housings, light bulbs (including LEDs), structural framework and welds, rust/corrosion, vacuum hoses/lines/tubes, weatherstripping, wheels/rims.
You are also missing all of the loopholes to keep from paying out a claim.
They can deny coverage if you...
- lose a single receipt, for any maintenance or parts purchased.
- don't have sufficient documentation that say a CV boot was inspected at xx miles.
- installed an aftermarket item (wheels, skid plate, oil filter, ect).
- did not bring your vehicle to the selling dealer for repairs.
- don't notice or pull over fast enough when a failure occurs.
- they decide that previous repairs/maintenance were done "improperly"
Additionally, the warranty does not cover...
- damage caused by a non-covered component (so if a coolant hose cracks, antifreeze leaks out, causing damage to the engine, you're out of luck).
- damage of covered part, caused by the failure of a covered part, if you happen to drive your vehicle 1 mile too far after the failure.
- a covered component that has not yet fully failed, but has been recommended by the dealership to be replaced.