It is difficult to answer this question without knowing what level of cover these insurance products provide.

Many salespeople at dealerships will get a commission from the sale of extras, like GAP and wheel insurance. As a general rule, I would always recommend comparing the insurance products (and the level of cover) being offered here with third party insurers. It's possible you will save money and get a better insurance product with another provider.

Another thing to note is that if you do want a ceramic coat applied, make sure you get it done by a professional. Some dealers will be able to do this, but some are just trying to upsell this to you in order to make more commission.

For advice on GAP insurance, see: www.honestjohn.co.uk/cheap-gap-insurance/