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You've just bought a 640d right? If you spent over £25k I'd probably go for it. As I said you can get 4 years for cheap.
There are a lot of BMW thefts these days and on high end cars it doesn't take much to tot up a huge repair bill where an insurer may just want to write it off.
All this said ,my insurer is Admiral, and I recon they'd value my car about £6-7k less than I paid for it as it stands. If I had a more premium insurer I may feel differently, but then again most insurers only replace up to current value, not purchase value.
Mine is pretty much irreplaceable so having that return to invoice money would really help finding something else!
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