I asked the dealer for the details on the insurance, and he gave me a consolidated form for all the various after market add-ons. There's a small clause in there which I found rather surprising in terms of how it might relate to tire/wheel insurance. it says:


Section E, 1, "What is not covered", 6th bullet point:

Tire or wheel damage due to traffic accident, improper inflation, overloading, dry rot, tread separation, defective tire or curb impact damage.

Ummm... aren't those last two fundamentally what BMW is selling the insurance to protect against (at least for the next to last after manufacturer's warranty)?!?

It also defines the wheel replacement as ONLY available if "the wheel is unable to seal with the tire, resulting in air loss". Which is certainly not the "if you get them scratched on the curb" that the salesman described.

I've seen several people say that they did not argue and replaced readily for minor issues, but the words of the contract sure look rather ... limiting.

Are these the terms that others have been getting?

With these words I do not think I will buy these contracts.