I recieved a letter from SPD stating my vehicle factory warranty expired for my BMW. It did. Upon calling them they offered me a 5yr/100, 000 mile warrant for 2800. I felt this was a pretty good deal. They wanted me to lock in and were pushing hard. I said I needed to think about it. I call my BMW dealer and compared their offer...then decided to go online and check out SPD --- well guess it is good thing I did...SPAM. BMW could not offer anything close to what SPD was offering and felt too good to be true.