F10 M5- 200 mile daily commute

[shanks86]

Hello all,

I have an F10 M5 which is now to be used for a rather long daily commute (I know I should buy a diesel for the task!)

I brought it from a main dealer with the used warranty which has since lapsed as I've barely used it (daily is an A45 which is potentially dead- at my local indy specialist). Tbh the A45 is not a great car for that much driving, so I am thinking of finally using the M5 now that the cold snap is over.

The car thankfully is in the extended warranty window, so I am looking at getting it... question for you guys is do I get the one with £100 excess, or £250 excess (400 cheaper/ year)? How many claims do people use per year? Is an M5 likely to need many big ticket items in such a short space of time?

Advice most welcome.

[shanks86]

its a 65 plate with 49k miles so far

I have a really good indy mechanic who is attempting to salvage my actual DD- but from my understanding I have to get all the MAR done by BMW if I get the insured warranty, otherwise they will make it difficult if I need anything doing covered by the policy- is that correct?

Thanks so much for your reply

[shanks86]

Thanks so much for the replies. I too have gone monthly as I luckily found out about the price hikes if going yearly!

Do you get all the routine stuff done at the dealer?

So I had the MOT done yesterday… rear diff leak (minor)

I’ve just looked back at my cars MOT history- it said it has a wet rear diff in 2020 & 2019, but not since until it’s been picked up on my MOT…

From my understanding the warranty doesn’t kick in for another month… do I get my Indy to look at the diff or just wait until the diff service is due? I don’t want to defraud anyone but at the same time it looks like this issues never been fixed and I brought it from bmw in 2022 and never looked under the car on a ramp..!!