I have received a notice advising my warranty is about to expire on 31st August 2011. Should I take out the offered BMW warranty at £713 pa? Warranty Direct have quoted £500 pa including wear and tear. Creditplus as advertised on this site, have quoted £326.32 for a fair wear and tear. Should I go BMW, take one of the 2 alternatives above, look at someone else or not bother at all??