I just finished my decision TO get an extended warranty on our new 2014 X3. Lots of research.
I went with a 3rd party due to seals and gasket coverage where BMW does not. This is our first BMW and I perceive more maintenance than my Honda's.
I looked hard at both Fidelity and Zurich. Both exclusion policies. I believe from my research that Zurich is easier to deal with.
We chose a 7/70k plan from Fidelity because it was almost 50% less than the best deal I could find with Zurich. I feel peace if mind that for a few years after the warranty is over we will be protected especially with all the electrics we have. May be harder do deal with Fidelity but the price was too good to pass up with the same coverage.