>> ... I have paid for an annual BMW Extended warranty - its something like £350 a year (and has a £250 excess) but I just have that as piece of mind for anything major like electrics, idrive, gearbox etc. >>
That's quite expensive peace of mind if you have never called on the warranty. As has been often said, put your £350 in a piggy bank and use it if you have to. Otherwise buy something nice ...
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