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      08-02-2012, 09:27 AM   #4
sfax
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Quote:
Originally Posted by epiphone3 View Post
My understanding is that this does not work on any of the F-generation models. Either way, it makes sense to get correct theft insurance so that you can get an appropriate replacement should this happen to you. Its what I did and I therefore never worried about a write-off due to anything.
On the whole “well, you needn’t worry if you have insurance” argument, obviously I agree that having insurance does mean you should get compensated and depending on the policy and the age of the car, you may even get what you paid for it instead of its market value.

But I know someone who had their car stolen and it took him months to get the money and he had to put up with the insurance company effectively accusing him of being negligent and threatening not to pay out, and then worrying about whether he’d get anything at all. When all that’s done and you’ve been driving around in a rubbish hire car for months, you have two new problems: 1. zero no claims bonus (yes, you might think it’s “protected” but check the small print on some policies) and 2. Higher premiums that ensue from having a £40k claim in your recent history.

So in summary, do everything you can to stop it being stolen and hope you never need the insurance

This story including the youtube links have been covered ad nauseum on loads of other threads. E.g.

http://x3.xbimmers.com/forums/showthread.php?t=719133

http://x3.xbimmers.com/forums/showthread.php?t=685547

http://x3.xbimmers.com/forums/showthread.php?t=688307

There is no evidence F series BMWs are affected by this as far as I am aware
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