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It seems we both did the same analysis but my appetite for risk is slightly higher. I too concluded that on average BMW must pay out less than they take in.
I have just confirmed that the price of 1349 pounds applies whether the car's mileage is 61k or 99k. Given the likelihood off failure increases with mileage this suggests to me that cars with mileage below 80k are subsidising those above.
As my car is at 68k, and I have a reasonable 12m warranty from the dealer, and I am unlikely to exceed 76k before the end of that warranty, I feel reasonably comfortable for now.
But I may feel very different in 12m when this warranty ends...
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2014 F11 535 Touring
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