Finally did the maths on my contract and I'm not sure I'm winning
Quote from nickmadison on October 26, 2026, 7:47 amSo I've been on one of these BMW Garage service contract plans for about eighteen months now and I genuinely like the peace of mind, no arguing about bills and the car gets looked after without me having to think about it. But I sat down with a coffee this weekend and added up what I've actually used versus what I've paid in, and I'm not sure the numbers are as flattering as I assumed. Nothing has gone badly wrong yet, which I suppose is the point, but I've basically paid for a couple of minor services and a brake fluid change so far. I'm not about to cancel because the whole reason I signed up was to avoid a nasty surprise, but I'm curious whether other people have done the same maths and come out feeling good about it or a bit unsure like me. Do you just accept it as insurance and stop overthinking, or did you switch to paying as you go once you realised you weren't using the full value?
So I've been on one of these BMW Garage service contract plans for about eighteen months now and I genuinely like the peace of mind, no arguing about bills and the car gets looked after without me having to think about it. But I sat down with a coffee this weekend and added up what I've actually used versus what I've paid in, and I'm not sure the numbers are as flattering as I assumed. Nothing has gone badly wrong yet, which I suppose is the point, but I've basically paid for a couple of minor services and a brake fluid change so far. I'm not about to cancel because the whole reason I signed up was to avoid a nasty surprise, but I'm curious whether other people have done the same maths and come out feeling good about it or a bit unsure like me. Do you just accept it as insurance and stop overthinking, or did you switch to paying as you go once you realised you weren't using the full value?
