Dishonest maintenance plan

You pay for a maintenance plan each month so if something goes wrong it is covered.

So Renault puts poor quality discs on there cars that now becomes the customers problem and now they wont change it a 2nd time and now customer must pay out of there own pocket and still pay for a maintenance plan.

15000km discs need to be replaced but not pads but Renault tells you your mileage is to low the maintenance plan wont cover you must wait till car is over 20 000km for them to approve.

44000km discs and pads need to be replaced but will only do pads which we all know the discs will eat the pads so when it needs new pads they wont replace it because they already did.

Is it really worth having a maintenance plan or having a Renault????