Not sure what you mean here. I just renew the insurance each year as normal. Or are you talking Gap insurance? That’s a different rabbit hole to go down!
Another thing to note with VWFS is that they will adjust the monthly payment if your annual mileage changes. Similar to the above lease extension I emailed them to inform them that my total annual mileage would average 5000 per annum rather than the original 10,000. They adjusted the agreement and reduced my remaining monthly payments by around £30.
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