£413 for the 4th year seems too much to me, with a Vauxhall service history. What will the 5th year cost? Either not enough owners take part, or the vehicle is high risk and high cost (or, like a lot of insurance policies, various people get their sticky fingers in the money pot as it passes their nose). I might just buy £400 worth of Premium Bonds each year instead.
2015 2.2 CDTi SENav 163ps manual 4x4 in Carbon Flash with 19\" alloy spare towing a Bailey Unicorn III Madrid @ 1500kg.