Have you got a quote from BMW's insurance.
I went with BMW insurance, as they were competitve on my F20. Their quote was similar to most of the other quotes I got
BMWs is done through Alliance and has a 'up to three year old' new for old replacement and only genuine BMW parts are used if the car is damaged whilst insured and one free windscreen/glass replacement per year.
They also offer pay by the month (x12) at the same rate as the one year cost.
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