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Mondial / Allianz themselves are great but I have to say the actual experience of the warranty with BMW dealers has been poor for me.
They are trying to wriggle out of doing work under warranty. Trying to say the diagnostic fee cannot count toward the excess despite the warranty covering reasonable diagnostic fees.
To the point on wear and tear I was told by Allianz themselves that they decided to switch everyone over to the post March 2016 clause so wear and tear is included. Call them if any doubts they are great to deal with on the phone.
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