I'd go with hannys. Say Honda or whoever you get your car serviced with doesn't change your water pump, because either you requested not to or they don't think it needs replacing, and 2000km later it clonks out. You'd be paying for labour cost of removing timing belt just so you can access the water pump. If hannys can do all that Goethe same price as Honda but with more items, why not. Personal insurance IMO