Welcome and nice car Noddy...
Tip, if your car is stock and you don't race and do funny things with it...

....it will last through motorplan and without...But i would consider the mplan...for a 2004 model. Can't be R20.000 per year - per 100 000k yebo!. Can they work it into your monthly insurance??...I will PM you the bmw mplan qoute given to a buddy of mine 3 months ago, also for 2004 bmw model - his is worked into the monthly insurance over the 50 000 - 100 000km - I have no idea how they do it.
Lets discuss tomorrow at the canal walk meet.