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So am almost a year now that I've owned my 2012 520D ED model which now has 58,000 miles on it. Its been a pretty much problem free and pleasant journey, albeit a low mileage year (we have probably done about 5000 miles at the most I estimate in that time of our ownership.) As from other posts you may have seen, I have had a recent intermittent rear fog light failure warning, and the same for a reverse light. Comes and goes and doesn't cause me huge concern. So on to the reason for the post, I got the BMW Insured Warranty letter through today. Logged in to obtain a quote and this is what I am presented with: Comprehensive with Emergency Service, £250 excess - £81 per month or £856 annual. Comprehensive with Emergency Service, £100 excess - £105 per month or £1107 annual. I dont plan to get anything less than comprehensive with ER. So which of the two option above to go for? I guess it depends on if I intend to claim for the smallest of issues, I don't. This is more for peace of mind on the big things that can go wrong. Also from what I've read the monthly is the one to get, not annual to prevent future price hikes. Thought folks?