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You'd have to call them about coverage for non-stock items. May or may not carry over.
As for the plan itself, depends on where you live. I'm in the desert southwest and routinely travel I-10 between El Paso and Las Cruces. People enjoy dropping sofas, chairs, ladders and other shit on the road. Not to mention blown tires galore. I've so far replaced one rear tire and refinished two front wheels from damage. They covered it, no questions asked. My plan was not purchased through BMW, though. It was provided via the Toyota dealership I bought my car from. I sent the contract to BMW and they've been able to process each claim without issue. Halfway through paying for itself and I've only had the car 10 months. Just depends on your situation.
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