Originally Posted by SteveC
The basis of the agreement is a contract...what's covered, what's not and the excess. Hard to see where the wiggle room lies.
Wear and tear is the answer there my friend. How do you determine what the reasonable lifetime for a part is?
If you are worried about generic things, put the money in the bank and pay for the repairs yourself. If you are worried about engine/turbo/fuel pump failure then buy a warranty. Also know though in those situations you'll often get good will from BMW for parts if you have a full BMW service history, so unless it's a 10 hours labor job you can still be better off without a warranty.