Is that £395 a year for main dealer from warranty direct? Thats a rip off!!
And ill tell you why......
Lexus Main dealer charge £495 for 24 months cover on the CT. This comes with 2 years free roadside assistance which normally costs £125 a year (has all the benefits i.e. personal cover, hire car, accommodation etc).
Only caveat is that you have to use Lexus servicing which, if you're going to use anyway, then Lexus Extended Warranty for the CT works out more cost effective