Back in 2017 I bought my 13 E70 X5M lease trade-in from a bmw dealer and they selected my extended warranty based on my request to find one that 1) worked directly with BMW 2) paid the dealer directly 3) paid for o-rings, fasteners, seals, etc. when working a large repairs (exclusionary). They chose a Zurich Comprehensive vehicle service contract. I've not used it for 2 years until this week, so I couldn't really participate in this discussion.
My SA, a man of few words, said they were reasonable to deal with...they paid my water pump repair in full to the dealership except for my $100 deductible. Coupled with a loaner car, this was quite reasonable for me. The total was $904.93 before deductible. I paid $4k (yes, a lot), but obviously this won't be my only repair.
I approached my SA first before buying the extended warranty, and he had poor dealings with just about every extended warranty I could think of, FWIW. He gave me the insight above when looking for an extended warranty.
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