I don't recommend most service plans simply because they don't give you very much: usually not much more than an oil and filter change every two years. But Hyundai warrants its cars for five years so if you go for the service plan, it has to be good enough to ensure the engine runs perfectly for those five years.

If you can get a brilliant deal on a new 64 reg right now, grab it. That will normally make up any resale price difference between a 2014/64 and a 2015/64. Everything almost always goes up in the New Year.