To zależy jak wygląda OWU tego ubezpieczenia, może nie trzeba tyle formalności, angielskie na stronie bmw mówi tylko o tym, https://www.bmw.pl/pl/topics/offers-and-services/original-bmw-accessories/kola-i-opony-bmw.html 3.2. The benefits provided in a loss event shall only be provided if new tires marked with a star are purchased from a BMW partner, and the benefits are limited to the damaged/stolen tire(s). No reimbursement shall be provided in pairs. The reimbursement shall be offset against the purchase price; cash payouts are excluded.
In order for the warranty insurance to be effective, the invoice for the initial purchase of the damaged tire(s) must be presented together with the claim report, signed by the customer, and, in the event of theft and/or vandalism, the police case reference must be specified, attaching a copy of the police report. The benefits in the event of a claim shall be processed by the BMW partner on behalf of the Insurer.
3.3. In the event of loss events that occur abroad, please contact the following hotline: +49 (0) 89 200048-048. Czyli zgłaszasz w ASO szkodę, kupując od nich nową oponę, resztę oni powinni załatwić, brzmi prosto. Jedyny czas jaki tracisz, to czas oczekiwania na nową oponę w ASO. Ponosisz koszt wymiany opony + wyważenia.