BMW Insured Warranty over 100K

[Mr_Yogi]

I've just gone over the 100K mark in my 5 Series and I currently have the comprehensive Insured warranty, now I'm wondering if it's worth dropping the cover down to Named Component?

The terms of the comprehensive warranty cover wear and tear up to 100K miles, so now I'm over that does the comprehensive warranty offer much over the named component? You can't even buy the comprehensive warranty if the car is over 100K.

Any thoughts?

[Smuler]

think , for me, it would depend on what components you could still claim for get voided , by switching from comprehensive v price differential.

I really have no idea what these post 100k excluded wear and tear items are , given there is a sizeable list of exclusions anyway on consumables / wear and tear on an Insured Warranty.

A bit more of the wall , but assuming you have recovery and it's them you call out in the event of a problem are they going to be that clued up on relatively low cost items they may carry (easily available) suddenly being excluded. Might they not just fix the car , cos it's more effective to get you going than have to consult a warranty expert (only available I assume during office hours) on as I said fairly low cost part.

For me, unless a worthy saving, I would probably continue as is.

[bmwmike]

Wear and tear was not included in the Allianz warranty until recently anyway. The upto 100k thing is relatively new. In fact anyone who took the policy before March 2016 didn't have it but as I understand they rolled everyone up to the wear and tear inclusion.

There is still a significant difference between comp and drive train I think. Injectors for example and probably other ancillaries.

Probably need to read the terms and conditions of both and compare...

[Mr_Yogi]

Thanks for the replies, I can see the sense in keeping it fully comp in case of road side assistance. As for the gap between the comprehensive and named compenent (not drive line), that is the issue, the fully comp lists things excluded from the warranty, while the named compenent lists the things that are included. As I'm not particularly mechanically minded I'm not sure what is missing in that gap

However I suspect dropping down to named compenent won't save me much.