If the insurance company come to the conclusion that these cars are easy enough to steal ( getting into car using an item that can be bough in an electrical appliance shop for circa €80.00 )they may only offer third party only insurance which is no use to anybody who has splashed out a lot of money to buy these bmw cars. It was recommended to me to have a brief scan around for strange cars and then stand right beside the drivers door of my car and using my remote control watch the buttons on the doors go down as I lock up my car and check that they are down