2009 E92 BMW 320i with a Clutch & DMF failure not covered. I completely understand that a clutch going on a car approaching 70k would be deemed 'wear and tear', but when the garage explicitly says that it's the faulty DMF that has caused damage to the clutch (note emphasis on the word damage and not 'wear').It took me three phone calls to even understand the process required to make a claim (from what I perceived to be unwilling to help staff) and when I did, I had to chase them just to be told it wasn't covered and that they won't be able to help, only when I asked why did they explain why they couldn't help.Definitely feel like i've been mis-sold the insurance when I bought my car (but I'll save that for another review!) and an insurance policy that pretty much covers for me for very little. I see a similar trend based on the other reviews.For those considering this insurance policy, be very mindful that the likelihood of them actually covering your problem is very low, you're better off saving your money and keeping it aside for if something does go wrong. I would not recommend this to anyone.
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