Hello Ants,
Apologies for the delay in responding.
Personally, I don’t like warranties, particularly those sold by salesmen on a ‘only £x a month’ basis.
Possibly pessimistic, but I wouldn’t enter into any contract without copy of the warranty to be able to judge the all important exclusions - of which there are likely to be many.
If you are happy with those, then fine.
Service plans:- if it were mine, I would just put that money away per month, and get the car serviced at a trusted independent.
Main dealer service plans can result in say ‘ your brake pads and discs need renewing’ and that will cost you £x hundreds of pounds’ and you could well be tied into it.
What is your anticipated annual mileage Ants?
Regards,
Gareth.