I had a similar conversation with someone in a dealership yesterday. I wouldn’t knock the products, but typically these add on’s have a large margin for the dealer and sales person. Put the €1300 in the bank and take personal responsibility for the scuffs you cause, bird shit you leave for too long on the paint, etc. and when the money is depleted the just take a bit more care of your car or care a bit less about your car. It’s up there with insurance based products that they try to sell you with TV’s and iPods.