If not a "factory" new car warranty, it is an extended "insurance policy based" warranty, and like EVERY insurance policy, it will have a multitude of conditions attached as to what you do or don't get for your money.
This applies whether the policy is purchased via the dealer OR by the owner directly off the insurer.
The main issue with this ongoing topic is that people ASSUME they are buying several more years of factory warranty- even though the answers are out there...