F30 warranty renewal

[rrroro]

I've owned my car for around 4 months (bought approved used from a main dealer), and I'm trying to get an idea of warranty renewal costs next year. Car is a 2015 328i. As the warranty renewal date is too far away, BMW won't give me a renewal quote (either online or over the phone), not even an indicative cost. Which is fine, presumably the quote will need to take into account things like mileage etc at the point of renewal

However does anyone have any recent experience of renewing a non-M warranty?

Are we talking roughly £2/300, 500, more...?

I'd rather stick with BMW warranty rather than 3rd party warrantywise etc. I've had BMW warranties in the past and from memory they offer different levels of cover, I'd be going for the comprehensive policy

[mmm-five]

What's the mileage?

The BMW quote for my 2015 320D with 50k miles on it was £719/year or £70/month (Comprehensive, £100 excess, BMW Roadside Assistance).



Mine's not due for renewal until February 2023 though, as I got 2 year's warranty (1 year AUC, 1 year BMW Insured) from the dealer when I bought it in Feb 2021.

[Knoxville2410]

The price increases when the car hits 60k miles so it is advised to get a monthly policy before 60k as it won't then increase (compared to annual).

I got my 320d at 58k miles and got comprehensive warranty at £60 per month. It is now on 94k miles and I pay £66 per month (increase due to RPI).

You can find a car similar to yours on Auto Trader and use the reg to get a warranty quote.

[rrroro]

Cheers chaps! Mileage is currently 34k so I’d expect maybe around 50/month then

I didn’t realise there was a difference between AUC and Insured warranties, I’ll check out what level of cover I’d be eligible for after my AUC expires. I haven’t checked yet, but I’m assuming I currently have an AUC policy rather than the Insured policy given I just bought the car recently

Also anyone have recent claims experience and what the view is toward mods? Previously my understanding was that they would warranty anything that was OEM on the car. So if you changed the diff then they’d still be fine with claims involving iDrive for example, as a problem with iDrive is unlikely to have been caused by changing the diff. However anyone know if this is still the case, or if BMW are now taking a more hardline approach towards mods eg like Porsche does?

[Knoxville2410]

rrroro said:

Cheers chaps! Mileage is currently 34k so I’d expect maybe around 50/month then

I didn’t realise there was a difference between AUC and Insured warranties, I’ll check out what level of cover I’d be eligible for after my AUC expires. I haven’t checked yet, but I’m assuming I currently have an AUC policy rather than the Insured policy given I just bought the car recently

Also anyone have recent claims experience and what the view is toward mods? Previously my understanding was that they would warranty anything that was OEM on the car. So if you changed the diff then they’d still be fine with claims involving iDrive for example, as a problem with iDrive is unlikely to have been caused by changing the diff. However anyone know if this is still the case, or if BMW are now taking a more hardline approach towards mods eg like Porsche does?

Just checked online using a 2015 328i on 27k miles (from AT).

- Comprehensive, £100 excess, no roadside assistance: £61/m or £613/year
- Comprehensive, £250 excess, no roadside assistance: £45/m or £457/year

Looks like adding roadside assistance adds around £9-£11/m

Not sure about mods, mine is standard!

[nickfrog]

rrroro said:

Cheers chaps! Mileage is currently 34k so I’d expect maybe around 50/month then

I didn’t realise there was a difference between AUC and Insured warranties, I’ll check out what level of cover I’d be eligible for after my AUC expires. I haven’t checked yet, but I’m assuming I currently have an AUC policy rather than the Insured policy given I just bought the car recently

Also anyone have recent claims experience and what the view is toward mods? Previously my understanding was that they would warranty anything that was OEM on the car. So if you changed the diff then they’d still be fine with claims involving iDrive for example, as a problem with iDrive is unlikely to have been caused by changing the diff. However anyone know if this is still the case, or if BMW are now taking a more hardline approach towards mods eg like Porsche does?

AUC is exactly the same as insured warranty full comp £0 excess and assistance. Same underwiter.

In theory any alteration renders the policy invalid even for unrelated claims. It in the policy wording.

In practice a PHer has recently taken Allianz to the FOS as they used the fact that he added an immobiliser to cancel the policy when he wanted to claim for something unrelated

Personnaly I wouldn't take the risk.

[Magnum 475]

Interesting. I'm having the same problem - my 330i AUC warranty runs out at the end of September, and with the appalling reliability I've had from it so far there's no way I'm running it without a full warranty. The question in my mind is the cost of extended cover vs the cost to replace it with something that I trust to get me where I'm going.

[mmm-five]

The safest way to ensure there's no quibbles over mods, is to simply not mod it.

Otherwise you're taking the gamble that the mod you've done will be seen as not being related to the failed item. e.g. if you needed to code something to get the DSC to recognise the new diff, then they could say you've interfered with the electronics too...and the iDrive is electronics.

Personally, I've never had an issue even after declaring track use and some mods to them (exhaust, carbon intake)...but the last claim I had before I stopped paying for the warranty (at about 100k miles) was only for a sticky caliper...but they would only pay for the caliper...not for the brake pads and discs that needed replacing at the same time due to one side being damaged by the sticky caliper.

[rrroro]

Thanks all, really helpful posts

I would be including the roadside assistance, makes sense to include that for a nominal amount per month

Reliability is the main issue I have re this car hence my interest in the warranty, I’ve read a lot of not so great things about the N20

Re mods, would the warranty claims dept view be any different if the mods were with BMW parts I wonder? So if I retrofitted BMW adaptive dampers to my car then I’m guessing that would be covered. I need to review the policy wording

At the end of the day depending on the cost of the warranty it may make more sense to self insure, and just bank that cash every year if, I decide to do any mods

[Magnum 475]

rrroro said:

Thanks all, really helpful posts

I would be including the roadside assistance, makes sense to include that for a nominal amount per month

Reliability is the main issue I have re this car hence my interest in the warranty, I’ve read a lot of not so great things about the N20

Re mods, would the warranty claims dept view be any different if the mods were with BMW parts I wonder? So if I retrofitted BMW adaptive dampers to my car then I’m guessing that would be covered. I need to review the policy wording

At the end of the day depending on the cost of the warranty it may make more sense to self insure, and just bank that cash every year if, I decide to do any mods

I suspect a modification like that might be covered if declared, but will probably increase the price.

[nickfrog]

Magnum 475 said:

I suspect a modification like that might be covered if declared, but will probably increase the price.

Not really, there are no variations in premium outside the level of cover, excess and assistance (plus mileage when over 60k miles). If the car was originally on passive dampers then fitting active ones will void the warranty, as per the policy wording.

[rrroro]

nickfrog said:

Magnum 475 said:

I suspect a modification like that might be covered if declared, but will probably increase the price.

Not really, there are no variations in premium outside the level of cover, excess and assistance (plus mileage when over 60k miles). If the car was originally on passive dampers then fitting active ones will void the warranty, as per the policy wording.

Yes it looks pretty conclusive:

6. This BMW Insured Warranty will not cover:

... an insured vehicle that has been subject to alterations, has had experimental equipment fitted or has in any way been modified from BMW’s approved specification, or
an insured vehicle used for courier or private hire services, track days, off road use, competitions or racing of any kind

The words "subject to alterations" make this clause very broad unfortunately, so it would seem to apply to all mods regardless of using BMW parts or not. I imagine 'official' BMW dealer retro fitted parts would be covered though, but I think I remember reading somewhere that these parts would carry their own warranty after fitting