BMW India — maintenance charge is very high

Address:

625002

I can't afford bmw as i find difficult to maintain bmw.

My family owned four cars namely skoda yeti, mahindra suv, audi a6 and bmw x1 m-sport. Out of four, i can't afford to maintain bmw x1. My vehicle number is tn59 bq 4455 which was purchased on[protected]. I paid insurance amount rs.1, 39, 472 (Icici lombard) during purchase of my bmw vehicle through bmw madurai dealer. Later, i paid rs.1, 45, 000 to bmw dealer towards service back-up for next three years. On 13 nov 2017, i paid rs.1, 36, 110 towards insurance (Full insurance, bumper to bumper, icici lombard). On the same day, i paid rs.29, 795 towards bmw secure certificate. Accidentally, on 8 dec 17 bmw x1's right front tyre was damaged. When i approach the dealer, they said, i have to pay 50 % for the purchase of tyre (I. E rs18, 617-)
I paid the amount.

My question is, when i paid rs.1, 36, 110 as insurance and rs.29, 795 as bmw secure certificate and rs, 1, 45, 000 as service back-up, why i need to pay rs.18, 617?

As i find difficult to maintain bmw with kun motors, i have decided to sell my bmw x1 as earlier as possible.