I have Comprehensive , buggered if I know why as most of the car is in bits in the Fatherland, or in a box in my workshop ! However, my recent head gasket was covered, and quotes to repair it ranged from £2,500 down to £600, with BMW in the mid range at £1,300. My premium is £87 per month incl. the Tax, so that x 12 months = £1,044 means im in pocket !
Policy excess is £0.
It includes Emergency Service, so im covered twice there as I also have ADAC cover.
Extract from the terms and conditions. "
The BMW Warranty will not cover - an insured vehicle used for courier or private hire services,track days, off road use, competitions or racing of any kind."
I got around this ... I Tippexed it out !
Makes you wonder why BMW have an M Sport department !