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After my previous 5 series was stolen I was given a market value of £23k by the insurance company - they used 40% as the guide for measuring value after 4 years.
BMW have used approximately 45% as the measure for the final balloon payment after 4 years on my new X4. SUVs hold there value more so I guess 45% holds up against the 40% for my 5 series.
I have read that they used to be more conservative with the GMFV but now are not so to help reduce the monthly premiums. Personally, I think I would struggle to sell my X4 after 4 years at even the balloon price, and so will likely just hand the car back.
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Previously owned BMWs
1999 E46 323i SE, 2002 E46 LCI 330d SE, 2006 E83 X3 3.0d SE, 2007 E87 118i, 2010 E84 X1 18d, 2015 F10 535d M Sport, 2019 G02 X4 M40d
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