So other than the obvious,that being BMW,you have choices from Liquid Capital, SA Warranties, Motorite,Hollard etc. Just need to do a bit of homework. From my experience, Motorite are very good, I had a policy on my RS4 that covered everything except servicing. If the car is less than 100,000kms then you can get a policy for about R12k that covers the major components with an unlimited value (clutch etc.) for 2 years or 200,000km,whichever comes first. Compare that to MP, and other than the services (which aren't too expensive anyway) it actually makes good sense.