This. Your insurance is there to place you back in a position of no material loss, be that a replacement car of equivalent mileage, age and condition or the money to buy one yourself. The WBAC offer for a similar car is immaterial. You need to look at and supply details of similar cars to yours prior to it being stolen/written off. Of course the insurance company will try and low ball you to save a few thousand but don't let them. Spend 20-30 minutes on PH, AT and if new enough the BMW site and provide links to similar cars showing you cannot be placed back into a similar car using their initial offer.
BMW and M Power Owners
- Thread starter panthro
- Start date
Local trusted mechanic suggested I may need new front discs soon, would there be any real benefit in upgrading to the M Sport calipers and discs if the cost to change isn’t that much different? I don’t track it, am generally very gentle on my brakes too. The car says both front and rear pads, installed in Feb 2023 still have 25k miles of life left.
2015 428i Gran Coupé.
2015 428i Gran Coupé.
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Soldato
- Joined
- 14 Apr 2014
- Posts
- 7,386
- Location
- Hampshire
The M Sport ones will be a reasonable cost differential.
They are very good brakes, though. I pulled out of a 340i sale when I test drove it - it didn’t have the M Sport brakes which my 320d did have, and it was noticeable in terms of braking confidence.
Reality is, though, your brakes are designed to outperform your tyres. I.e. they are limited by the grip your tyres can provide. Therefore, bigger brakes don’t mean better braking performance in emergency situations.
What I like about the M Sport brakes is that the entire setup is confidence inspiring. They feel stronger, they bite better and overall have better pedal feel than the standard brakes, in my experience.
But I wouldn’t pay to upgrade to them on a 428i if it didn’t have them.
will the cost not be much different? i've thought it would be a lot different as you're now changing the front and the rear calipers, discs and pads....rather than just the front discs and pads
the main benefit i think, is the blue paint...for looks lol
the m sport is 4 pot front, 2 pot rear and i think the stock non-m sport are 4 pot front, 1 pot rear
i doubt that will make much difference in terms of performance as the front brakes provide most of the stopping power
dlockers
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dlockers
I think they are similar braking force but they'll dissipate heat quicker; so only a noticeable upgrade if you want to track it.
Thanks they say £21,500 abit more paletable.
But still not relevant to an insurance claim?
Not yet no. Will have something to barter with though. It’s insured with BMW flex so will be interesting to see how they price it.
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This is my thought. I likely won't bother for the type of usage I have.
dlockers
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dlockers
??? why are you looking at Motorway and WBAC if you are looking for an insurance price? That makes no sense?
Any affect on insured warranty to getting them done somewhere else than BMW? BMW want £957 for front and £687 for rear discs + pads on mine
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I'd expect so.
I wasn't able to get the warranty when I bought my 440i. Previous owner mapped it and didn't disclose that to the dealer who bought it.
dlockers
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dlockers
FTFY
Brakes won’t make a difference, engine mapping does.
Not sure if you’ve missed it or I’ve made it unclear, but my car was stolen and im suspecting it’s gone for good so my insurance are going to be negotiating a pay off price for my car which is why I’ve looked at motorway to see if there offer is going to be acceptable when they provide the figure.