BMW tire and wheel Insurance isn't BMW, it's administered by Safe-Guard Products International, LLC and like all insurance is only worth it only if you can collect from them.* I have been arguing with Safe-Guard (BMW) about their denying claims for two winter Pirelli Sottozero 240 RFT's which I put on (imagine the concept "snow tires") so that I didn't wreck my 135i. *Safeguard said that these were "aftermarket" tires and not covered by the contract even though they were purchased from the dealership and the BMW literature say a that "Program benefits continue even if you replace your tires." Seem bogus to you? Well it is bogus and BMW should be ashamed of itself. *The worst part is that dealerships will not fight it out with Safe-Guard you have to represent yourself (what's that aggravation worth?) while the dealership holds your car hostage for days. In retrospect, I would rather have been self insured! Anyone else having the same problems?