Jag includes all maintenance for the F-Type for 5 years, 60k miles. That’s pretty inexpensive...

Yes - you can get it cheaper, usually, through your insurer. However, you’re also going to be creating a second claim with your insurer if you ever use it and that’s a huge premium bump waiting to happen.

Leases all include GAP coverage - if you’re buying it on top of a lease, you’re throwing money away.

VSA - Vehicle Service Agreement. In other words, its an extended warranty.