Hi
I can understand your reluctance because Toyotas are very reliable.
Plus the car is low mileage, (real average mileage for a 2005 Diesel Rav is about 33,000 miles).
But any car can break down and yours is worth around £10,500 (£9,000 if you are in a rush, perhaps £11,000 if you valet it, wait for the right buyer and are a bit of a saleman at heart). One major engine problem that stops it running reduces it to a value of £0.
A warranty will probably cost less than £30 a month* and the top claim for a Toyota is £1,684.15**
So by spending £300 you are protecting an asset worth £10,000 and avoiding bills that are potentially 5 times bigger than your premium.
For a Warranty Direct quote click here
*Average Warranty Direct premium
**Top claim at Warranty Direct to date