Looks dodgey. I just had my 2 front wings done under warranty as the rust came from the inside. There are two types of warranty I believe, 12 years for body work and 3 years for the paint. I have the same little patches as you, just in front of the rear wheels, they are so small you hardly notice them. I went in to enquire about a claim and VW they came back and said they would not repair it coz it was the galvanising at fault. Ok, so thats not my problem if the galvanising is coming off. Yes sir it is, coz thats covered in the paint work warranty which only lasts 3 years! What a bunch of pr*cks! Whats the difference, if it rusts it rusts!