Would you not have been able to get the dealer to through these in as extras, if you were paying cash and not taking finance?
No I tried that and they wanted something ridiculous like £1000 for those extras.
VW had just switched from 2 years warranty to 1 year on approved used cars and the only cheap way to get the 2nd year was to take out some form of finance and that also included a very cheap deal on 2 services. I was upfront with them and said I wanted to borrow the minimum amount possible to get the deal and I would definitely be paying the loan off early. I even asked them to calculate what it would cost me so they were under no illusions.
First time I've borrowed money to buy a car since 1983.