My X5 40d M Sport Glacier Silver

[CatalinP]

I see insurance cover for 50K and car value 70k. Are you sure it will cover a brand new identical car?

[LDT]

Originally Posted by Wardman

I am going to Spartanburg and driving off with a 40d!!!!! :-)

Wouldn't that be great. Or better yet a 50d!

[X5M50D]

Originally Posted by CatalinP

I see insurance cover for 50K and car value 70k. Are you sure it will cover a brand new identical car?

Lets say I paid £75k for my car brand new 12 months ago, and today my car was written off in an accident, my standard car insurance company, would only pay me the current market value of say £50k. There is a shortfall of £25k to replace it for a brand new vehicle of the same spec. The £50k GAP insurance pays for this £25k shortfall.
So basically up to the 5 years for the term of this policy, my car should be worth no less than £25k, adding the £50K cover allows me to get a new £75K car without it costing me anything.
These policies are good when you have a finance loan for the car, in case the loan is more than what the car is worth or what the insurance company would pay out if written off.
Hope I have explained myself clearly
Please be rest assured I am not a GAP insurance sales man

[CatalinP]

I fully understood what you said, but it sounds too good to be true, at least for me.
I have a similar insurance cover in my country, but that can pay for a brand new car only within the first year... After that, the covered value drops as the car gets older.

[ZigmundUK]

Originally Posted by CatalinP

I fully understood what you said, but it sounds too good to be true, at least for me.
I have a similar insurance cover in my country, but that can pay for a brand new car only within the first year... After that, the covered value drops as the car gets older.

No that's how it works. There are actually multiple types of gap - you can have return to invoice which will pay the difference between the settlement fee and the invoice amount. But there's another which is called 'replacement' which is a like for like. Eg of bmw don't make the f15 anymore or due to inflation the cars are more expensive now then the like for like should cover a brand new x5 to the same spec.

[X5M50D]

Originally Posted by CatalinP

I fully understood what you said, but it sounds too good to be true, at least for me.
I have a similar insurance cover in my country, but that can pay for a brand new car only within the first year... After that, the covered value drops as the car gets older.

This all true and a very beneficial policy to have at little expense.
In fact these policies become more beneficial as they get older as they have to pay out more as the car depreciates to cover the bigger shortfall.

[Thawke]

Average GAP Insurance in the UK for a car like ours is what ? £300 ?

(I got mine for the X6 for £287)

That is nothing compared to what the benefits would be if something were to happen.

It's a no brainer imho.

[ZigmundUK]

dispatched to dealer!

but...... My salesman has gone on a week's holiday so we're unlikely to take delivery until after next week boooo!

[munge]

And just heard from my dealer, looking like 21st for delivery... has been in the country for a week already! What takes so long?? Surely this is money the dealer does't have so they'd be keen to get it delivered as soon as possible. Can't understand why pre-delivery inspection takes so long.

Also had the quotes for insurance etc from the dealer:
Gap £589 for 4 years and they'll give me £500 towards my excess
Tyre insurance £549 for 3 years and 5 tyres in that time
Paintwork £339 with 15 claims in 3 years
BMW Guard X for £599

All seems expensive!!

[ZigmundUK]

Originally Posted by munge

And just heard from my dealer, looking like 21st for delivery... has been in the country for a week already! What takes so long?? Surely this is money the dealer does't have so they'd be keen to get it delivered as soon as possible. Can't understand why pre-delivery inspection takes so long.

Also had the quotes for insurance etc from the dealer:
Gap £589 for 4 years and they'll give me £500 towards my excess
Tyre insurance £549 for 3 years and 5 tyres in that time
Paintwork £339 with 15 claims in 3 years
BMW Guard X for £599

All seems expensive!!

Don't bother with the gardx stuff. You can get your own detailed to professionally prepare the paintwork and do a gtechniq c1 with exo for that much. That's what I intend to do myself - just bought the dual action polisher and all the other gubbins to do it

[X5M50D]

Originally Posted by munge

And just heard from my dealer, looking like 21st for delivery... has been in the country for a week already! What takes so long?? Surely this is money the dealer does't have so they'd be keen to get it delivered as soon as possible. Can't understand why pre-delivery inspection takes so long.

Also had the quotes for insurance etc from the dealer:
Gap £589 for 4 years and they'll give me £500 towards my excess
Tyre insurance £549 for 3 years and 5 tyres in that time
Paintwork £339 with 15 claims in 3 years
BMW Guard X for £599

All seems expensive!!

Don't buy the Stealers insurance as they are well over priced. Do some shopping around yourself online.
As for GuardX waste of money - get it done by a professional

[munge]

All pretty much what I thought. Paintwork looks not too bad a deal though??

Love the way they seem to think that because you’re buying a luxury car you’ll pay more for the same product than somebody who is buying a cheap car... When you read about the market penetration of these extras, it’s frightening how much money they make.

[Thawke]

Dont do the paint protection from the dealer.

They end up washing the car first, that in itself puts fine scratches on the paintwork (god knows who they hire to do this and what they use to clean the car, guessing a scouring pad)

Then, in their wisdom they apply the "Protection" which basically locks in the scratches and you cant get those removed without using a rotary polisher and taking off the protection to get to the fine scratches, then re-applying it again.

basically dont do it

[munge]

Any news on your order @X5M50D?

[ZigmundUK]

Originally Posted by munge

Any news on your order @X5M50D?

You mean mine? I'm pretty sure it's at the dealership nice not checked with genius coz I don't wanna torture myself. My dealer is back on Thursday or Friday I think so will strange collection thereafter.

[munge]

Originally Posted by ZigmundUK

You mean mine? I'm pretty sure it's at the dealership nice not checked with genius coz I don't wanna torture myself. My dealer is back on Thursday or Friday I think so will strange collection thereafter.

Yes, meant yours. Senior moment....

I admire your self control not checking, not sure I could! I haven’t any ability to track mine as it’s a dealer bought car. I have screenshot of the tracking details but I know it’s already in the country.

Sometimes I wonder if things get dragged out to maintain an impression of exclusivity...

[ZigmundUK]

Originally Posted by munge

Yes, meant yours. Senior moment....

I admire your self control not checking, not sure I could! I haven’t any ability to track mine as it’s a dealer bought car. I have screenshot of the tracking details but I know it’s already in the country.

Sometimes I wonder if things get dragged out to maintain an impression of exclusivity...

Maybe. But maybe it's what you say - of it's marked as a dealer purchase then it might drop down the priority list a bit.

I'm actually concentrating these couple of days on doing my first full detail on the 5 series. Had it a year and wanted to put some sort of hydrophobic coating on to make washes easier etc. So I bought a spray thing worth about £40.

I then proceeded to buy over £500 worth of detailing stuff and now I'm doing the full thing. Yesterday I washed thoroughly and clayed. Today is polishing day. Maybe this afternoon I'll apply the ceramic coating. Tomorrow I'll put on the hydrophobic seal.

I'll do it all again with the F15 when it gets here and I can take 3 days off again!!

[munge]

Wow! Can’t be arsed with that!

And always difficult to know how much benefit there is in all these coatings, hear equally vociferous arguments both ways. Then colleague’s boyfriend who does body repairs doesn’t particularly rave about them, leaves it all a little confusing!

[ZigmundUK]

Originally Posted by munge

Wow! Can't be arsed with that!

And always difficult to know how much benefit there is in all these coatings, hear equally vociferous arguments both ways. Then colleague's boyfriend who does body repairs doesn't particularly rave about them, leaves it all a little confusing!

They definitely work. I put some opticoat on a few years ago and boy it shunned water well. The newer coatings are much more hydrophobic. For me it's about making the washes for the next 2 years easier and not having the car look dull after a couple of rains. Hopefully it's worth it!

The really annoying bit is after a year I've got at least 10 separate stone chips around the car....

[munge]

Originally Posted by ZigmundUK

The really annoying bit is after a year I've got at least 10 separate stone chips around the car....

And the marks from the people who use your car as a guide for their parking efforts... Or a door stop when they’re getting out the car... They don’t give a monkey’s about their car so why should you care about yours???

[ZigmundUK]

Originally Posted by munge

And the marks from the people who use your car as a guide for their parking efforts... Or a door stop when they’re getting out the car... They don’t give a monkey’s about their car so why should you care about yours???

Haha. If I had that attitude I'd live like a hobo!

[Thawke]

Got your car yet ? - take photos from the dealers !!! - remember as with all the excitement you may forget