I'm fighting this right now. I bought the full coverage (Gold) top of the line with $100 deductible.
I have this in writing. My starter died and I found out from the dealership that Continential Waranty will only cover $75 of the $120 labor charge of the dealership. Nothing in writing states this limitation. I've read their waranty booklet through and through.
I called and asked to speak with a manager. Not there. They refer to Royal administrator. Hit customer service on the phone and Continental states that they are updating their customer service department.
Meanwhile my car is sitting at the shop waiting for payment.
I have two policies with Continental. If they value me as a customer, they had better honor their contractual agreement.