I just purchased a used 2006 BMW X5 4.4i with 82,000 miles. I started looking for extended warranty and found DIRECT BUY on line. I explained to the sales rep Ryan Dunn Senior Underwriter what I was looking for I wanted full coverage on the car because I knew when and if something needed fixed on the BMW the costs would be extremely high, I even have an email that I sent him so he knew what I needed. The sales rep told me their Platinum Elite would cover everything except bumpers and brake pads. So I spend $2500 on a 3 year 60, 000 mile warranty and it was fraud. I have had my BMW for 3 months now and took it in to get serviced they found the drive shaft is in need of repair and must be fixed plus they found other things, leaky transmission hose, electrical sensors etc.etc. so when BMW went to make a claim Direct Buy declined it for NORMAL WEAR AND TEAR. Direct buy indicates in their contract and when they sell the warranty that they cover bumper to bumper just as the factory warranty would BUT there is a loophole. Roman numeral I letter K- wording wear and tear- all vehicles demonstrate wear and tear- they are used on a daily basis- how can they not show wear and tear? Why would someone in their right mind Purchase an extended warranty on a vehicle with 82,000 miles that didn't cover everything. This company took advantage of me, I told Ryan Dunn I needed everything covered because I wouldn’t be able to afford the repairs. I am not an insurance agent and never heard of wear and tear but Ryan Dunn knew and didn't explain it to me. After reviewing several website complaint boards including the Ohio Attorney General consumer complaint and New Jersey Attorney General Consumer Complaint this is a common practice for Direct Buy Warranty. They don’t want you to know about the wear and tear clause, because people wouldn't buy a warranty for a car without it.