Coisman, I would keep the car if I were you. I went through a similar dilema a few years back after twice renewing my motorplan. Since the car (2002 320 Individual) has been out of motorplan, I have only spent money (R1750) to replace 1 window regulator and then the services with BMW just to keep the FSH going. The car still runs strong and I have saved more than a hundred thousand in the process by not getting screwed over on the depreciation of a new car. Dont be a slave to the banks forever.....its not worth it.