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The bmw dealer does not charge BMW Australia a fee for giving a customer a loan car whilst the car is in for warranty work. The loan car isn't something they have to give anyone either.
What exactly was this $66 dollars for? normally they give you the OPTION to drop your excess on the insurance on the vehicle if you have a smash.
There are no other fees afaik. It just means you will pay the high excess if you have an accident.
bmw melbourne is $17.50 a day to drop the excess from $5,000 to $500 i think....
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