Ensurance has the advantage that the car is repaired to Volkswagen retail standards, but the disadvantage is that you never get something for nothing and I guess it must be paid for from the credit hire rates for the courtesy cars while the work is being done. But, read the terms carefully and you may be better off with the warranty. WD's rates are based on the true costs of warranty claims. Volkswagen's own may be supported by the manufacturer/dealer.