I don't know 'Safe & Sound' mechanical breakdown insurance. I do know Warranty Wise, Warranty Direct and Motor Easy. In any case, if you are buying from a dealer, the dealer is directly liable for any fault that could have been present or developing on the date of sale for 6 months from the date of sale (including wear and tear faults). A warranty insurer is not liable for any claim for a fault that could have been present or developing on the date the warranty was taken out and will not pay for wear and tear issues. If it's BMW's warranty from a BMW dealer, that makes sense because it cuts the lines of communication in the event of any claim.