I bought the insurance as well,havent used it on the CS yet but I also had that insurance on my Mini Cooper S which was mostly my wifes daily driver, we put 3 tires and 2 rims on that car over a 2 year period,if they were like a regular insurance company htey would have canceled us, cost of policy:$400 cost of 3 tires and 2 rims $1700 sticking it to an insurance company without doing anything fraudulent:Priceless