EDIT: I've found a company called click4warranty.co.uk who will cover my car against 'the breakdown of insured parts' including wear and tear. The turbocharger cover costs an extra £10.50 per year. I know many warranty companies will put the turbo failing down to 'wear and tear' and refuse to pay but surely this company can't refuse a turbo failure claim due to them covering wear and tear? What do you guys think.