This became a big enough issue for me (together with R50K+ extension costs only to be treated like crap) on Mercedes that we will never think of buying them again. BMW should be careful about the reputation it is starting to build since their offering has long been seen as the gold standard.
That said, Motorplan (for any brand) only make sense as long as the balance of quality/breakages is in favour of the manufacturer (even if slightly). I feel that the cars being inherently less repairable, poorly designed and poorly built it is the manufacturer themselves that will bear the first brunt... this is probably why they are now so sticky. The numbers are suddenly not making as much sense.
I got the impression that despite the F90 coolant tank issue being VERY well known and subject to a campaign, the service advisor still had to jump through hoops on this last trip.
I also had Merc deny coverage on a battery because it was apparently 'too soon since the last one was changed' several years prior... at least they denied it until the service advisor was basically standing on his head to get it authorised since I refused to collect the car or to pay for a new one. I have previously documented all the times they told me their QC issues were my fault... and refused warranty or MP coverage.
Subaru was denying coverage for their known garbage motors and tunes because guys fitted different rims. Renault was denying coverage for cars not suitable for the SA market PERIOD (the car would throw engine lights on our fuel) by making people sign waivers when they bought top of the range RS Meganes... the list of screwing customers over is forever growing it seems and BMW may be next. I was even telling Firi this morning I am so anxious about fitting the LCI tails under plan. Imagine needing an engine or gearbox and they deny the claim because of your tail lights 🤦♂️

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The default position of EVERYONE these days seems to be that it is the customer's fault FIRST which is a very antagonistic way of approaching things (even if there is doubt around what the root cause is). It puts you immediately on the back foot and the wrong 'mode' to deal with the situation. Unfortunately the numbers are probably not numbering for them and it is probably their own fault.
Like I say - the approach of making things less repairable to drive future sales only works if these geniuses can build things that can actually last the length of the warranty and plan. It seems that point has now been passed.
In terms of 'right to repair' (requiring a virgin unit to be coded in this case) and actual repairability: Sorry but a vehicle that can't withstand a simple drink spill and can't have these components easily and inexpensively repaired is not fit for purpose and frankly poorly designed. The red flags write themselves with the microp3n1s or 'innie' gear selectors in these new cars... watch this space in 3 years where M4s are stuck because the guy launched a bit too hard and his drink spilled into the centre console causing a R50K repair... I briefly read that these units are also VIN coded to the car (there is no good reason for this other than being anti-consumer)... so even more drama.
Very unusual - I've received estimates from Midrand very recently for fitting eg: LCI retrofit tails and various service items that were not yet needed. JSN has also done this on request before. JSN also worked out good pricing for me on out of plan work in the past for my F10 including getting some goodwill from BMW. But also the times they have a changed I guess...