Cosmetic repair insurance

tomosnake · 04-06-2018, 06:04 AM

Hi all, I’m after an opinion on BMW provided cosmetic repair insurance. After what has been a griefy wait for my car with some logistical issues that have been resolved, I am due to collect my 335 on Wednesday next week. I’m being offered the insurance for £338, no excess, 15 claims in 3 year thing. Couple of questions, is this worth it firstly? Also I’m confused as to what a flat horizontal surface is defined as? On one hand they say damage on that it isn’t covered, then on the next page it is

Am I right in thinking the fhs is the bonnet etc? Ive had a cheaper quote from Ala but they specifically exclude the bonnet, so if the BMW policy includes then it may be worth it.

Help

Jeff123 · 04-06-2018, 06:10 AM

I had a recent quote for a job by Chips Away and they would not repair anything on the bonnet - probably too hard to match up invisibly. Maybe thats your flat surface?

stu14t · 04-06-2018, 06:17 AM

Personally never had it and never needed it either.

I have combined tyre and wheel insurance (inc diamond cut) and on my last F30 I had nail so got a new tyre; it basically paid for itself in one claim.

Oh, and GAP too.

f32-440i · 04-06-2018, 06:58 AM

I have it and used it recently for a nasty stone chip on my bonnet. Paid no excess and someone from Dent Wizard came out and touched it up, sanded it down a bit and finished with polish. Great job, highly recommended.

tomosnake · 04-06-2018, 08:05 AM

Quote:

Originally Posted by f32-440i

I have it and used it recently for a nasty stone chip on my bonnet. Paid no excess and someone from Dent Wizard came out and touched it up, sanded it down a bit and finished with polish. Great job, highly recommended.

Thanks and that was the BMW policy?

f32-440i · 04-06-2018, 08:17 AM

Quote:

Originally Posted by tomosnake

Thanks and that was the BMW policy?

Came from Barons Cambridge, but the policy they sell is provided by AutoProtect. I think different dealers sell different policies.

https://www.autoprotect.co.uk/

Rudz · 04-06-2018, 08:24 AM

Flat surface is mainly roof, it's an area where it is difficult to get a smart fix and possibly expensive to repair as well, hence not covered

That is a decent quote to be honest, I got mine privately and paid about £220 I think for 3 years for 9 claims, considering cost / claim ratio the bmw policy works out cheaper

As to weather it is worth it, I feel so, far too frequently u have people opening their doors or reversing into you carelessly, I got it for peace of mind really

04-06-2018, 06:04 AM	#1
tomosnake Private First Class 69 Rep 150 Posts Drives: F32 Join Date: May 2016 Location: Kent iTrader: (0)	Cosmetic repair insurance Hi all, I’m after an opinion on BMW provided cosmetic repair insurance. After what has been a griefy wait for my car with some logistical issues that have been resolved, I am due to collect my 335 on Wednesday next week. I’m being offered the insurance for £338, no excess, 15 claims in 3 year thing. Couple of questions, is this worth it firstly? Also I’m confused as to what a flat horizontal surface is defined as? On one hand they say damage on that it isn’t covered, then on the next page it is Am I right in thinking the fhs is the bonnet etc? Ive had a cheaper quote from Ala but they specifically exclude the bonnet, so if the BMW policy includes then it may be worth it. Help
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04-06-2018, 06:10 AM	#2
Jeff123 Jeff 318 Rep 1,451 Posts Drives: 330d M Sport x-drive F30 Join Date: Jan 2010 Location: Yorkshire iTrader: (0)	I had a recent quote for a job by Chips Away and they would not repair anything on the bonnet - probably too hard to match up invisibly. Maybe thats your flat surface?
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04-06-2018, 06:17 AM	#3
stu14t Major 451 Rep 1,201 Posts Drives: 330i MSport Pro Join Date: Mar 2013 Location: Scotland iTrader: (0)	Personally never had it and never needed it either. I have combined tyre and wheel insurance (inc diamond cut) and on my last F30 I had nail so got a new tyre; it basically paid for itself in one claim. Oh, and GAP too. __________________ Current - 2021 G20 330i M Sport+ Gone - 2017 F30 335d M Sport + in San Marino Blue Gone - 2015 F30 LCI 320d M Sport+ Step Auto Gone - 2012 F30 320 ED Gone - 2011 E87 118d
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04-06-2018, 06:58 AM	#4
f32-440i Enlisted Member 22 Rep 46 Posts Drives: F32 440i LCI Join Date: Apr 2017 Location: Cambridge iTrader: (0)	I have it and used it recently for a nasty stone chip on my bonnet. Paid no excess and someone from Dent Wizard came out and touched it up, sanded it down a bit and finished with polish. Great job, highly recommended.
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04-06-2018, 08:24 AM	#7
Rudz Lieutenant Colonel 249 Rep 1,721 Posts Drives: F30 335D xDrive Shadow Edition Join Date: Feb 2012 Location: UK iTrader: (3)	Flat surface is mainly roof, it's an area where it is difficult to get a smart fix and possibly expensive to repair as well, hence not covered That is a decent quote to be honest, I got mine privately and paid about £220 I think for 3 years for 9 claims, considering cost / claim ratio the bmw policy works out cheaper As to weather it is worth it, I feel so, far too frequently u have people opening their doors or reversing into you carelessly, I got it for peace of mind really
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