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Lease purchase Loan Protection

Hi

Today I bought a new car through Lease Purchase with a main volkswagon dealer with a baloon payment.

They offered me protection on the finance which was about £22 per month on a 15K car. I put 5k deposit down and I have payments of £199 per month with a baloon payment of £4900 after 3 years.

Is there any 3rd party loan protection companies that will cover me for the payments and the baloon payment? I think £22 a month is the middle range loan protection which doesnt even include unemployment. Adding unemployment was £33 a month which is a rip off.

Can anyone point me in the right direction on how i can cover everything? , including baloon?

many thanks!
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