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The insurance payout does not even cover the full value of the vehicle at the time, never mind:
- Loss of no claims bonus and the rise in insurance premiums.
- Days of time lost sorting the theft, hire car and replacement vehicle, at a time when my business was on the brink.
- Sentimental value - I was planning on keeping that car indefinitely.
- Breach of data - the vehicle was stolen from outside my house.
A minor detail I forgot to mention - BMW accepted that the forged documents did not meet their minimal standards.
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