3 speakers changed for free of cost without any hiccups, my front windscreen might be changed due to a small little defect, they told me to come whenever I want, just that I don't have the time for it ( Approx 2. hours needed)
Got all the doors and trunk re-aligned in the first week of ownership. Except that, no problems so far.
If you know how to talk with 3S, then you're good to go.
Most of the people I know are against Insurance, they take too long bla bla- I showed them all the receipts including one where job done was for 51,000-/ something and I made my point there.