That's a good reminder that the list of what is covered or not is specific, and is also subject to determination of the cause of the failure. A component that fails itself is treated differently than a component that fails due to a different, non-covered component.

That also matters with wear, as a component that is covered for failure, ie defects in materials or workmanship, often won't be covered if it wears out. The list of components, in and of itself, is not a complete reference as to whether your failure will be covered. And the arbitrator of what is covered is not your independent mechanic, but the policy issuer.

It is like any other insurance policy; it is not a warranty per se, no matter what they call it.

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2007 X3 3.0si, 6 MT, Premium, White

Retired:
2008 535i, 6 MT, M Sport, Premium, Space Grey
2003 X5 3.0 Steptronic, Premium, Titanium Silver
2002 325xi 5 MT, Steel Grey
2004 Z4 3.0 Premium, Sport, SMG, Maldives Blue