I write to advise extreme caution with regard to the purchase of AA warranties. I am 83 years of age (a retired school teacher) and I have had a number of BMWs in the past. I have had my 2005 320d SE from new and it has only covered 43,000 miles, being serviced entirely at a BMW franchise. When the BMW warranty expired I took out an AA warranty.

On 10 May 2013, the sump plug became loose (according to the AA report because the sump plug had been incorrectly “torqued” following a service by the BMW franchise). The oil ran out and the engine seized. AA Warranty Services refused to indemnify me on the basis that the sump plug is not part of the engine and is therefore not covered under the terms of the warranty. The BMW franchise also indicated that they are not prepared to assist as, although they accept that the car has been fully serviced in accordance with the manufacturer’s recommendations entirely by themselves, the last service work (in February of this year) did not involve changing the engine oil. I am now left with the option of seeking a reconditioned engine and having this fitted at an alternative garage at substantial cost. If you are able to assist me I would be most grateful.