[MarkW83]

Thanks; I think I'll go for 3 years. Got a quote for £199 from ALA which seems reasonable, return to invoice or pay finance off, whichever is greater. I think it was an additional £60 for the 4th year, but I don't usually keep my cars longer than 3 years anyway, and it will have lost the largest chunk of its value - and I'll have paid off a lot of the finance - in 3 years, so I think 3 is the way to go? Will see if the dealer can match the ALA quote...