!!!!AVOID RAC WARRANTY!!! I bought a bmw 640d 2013 in July 2021 All seemed fine but was urged into buying a "Full and comprehensive warranty" offered by RAC that would cover all failures Etc. Paid an extra 600(ish) and thought ok great I'm covered. Fast forward to December 2021 and the rear camera is giving error warnings and I'm getting a drivetrain error coming up. Called Carshop Swindon and they advised to call RAC(TWG) called them and booked the car in with an official BMW garage. Turns out after £270 of diagnosis work that turbo has failed and needs replacing. BMW call TWG who tell them they won't cover the reverse camera and they're not happy with their diagnosis of the turbo and they want it removed at my cost posted to their specialist and looked at and then they'll make a decision. So TWG want the manufactorer who designed and built the turbo and have told them what's wrong with it, to send it to a 3rd part to tell BMW what's his view with the part they developed and make. Basically 3RD party knows more about the parts than BMW !!!!!! It's the first time in my life where a company has told me that I need the actual manufacturer to send it to someone a 3rd party who is not the manufacturer. Usually if something goes wrong and you take it to an independent the insurance or warranty company Will request you send it the manufacturer but in this case TWG wants the manufacturer to send it to a third party who will no doubt tell the warranty company what they want to hear in their favour.......you can't make this up!! Worthless warranty will do anything not to honour their warranty including racking up costs on you in the hopes you'll give it up or telling you their "specialist" knows more than the manufacturer who made it!!! Ridiculous. Oh and if like me.you have 6 months left and want to cancel as you think they'll never pay out a claim.....you can't! WILL NEVER USE RAC OR TWG AGAIN! HAVE TOLD CARSHOP THEIR SALE OF THIS PRODUCT IS BOARDERLINE CRIMINAL! AVOID!!!!AVOID!!!! AVOID!!! AVOID!!!!! Update- 01/02/2021 No contact from TWG after requesting details. BMW called today and said after 15 days of having my car and spending hours on the phone to TWG claims line without getting through to an Agent to get this resolved, they have decided that they can't deal with this Joke of a company any further and to come collect the car and settle the £270 diagnostic costs. If I manage to sort it out then to call them back to book in. So to recap. Warranty Useless paper. Over 2 weeks no car BMW fed up with TWG and returned car unrepaired. DO NOT BUY ANY PRODUCTS FROM TWG!!! RIP OFF SCAM ARTISTS WILL BE MESSAGING MARTIN LEWIS AND WATCH DOG TO WARN OTHERS. SHAMEFUL!