Business ProfileforMelbourne BMW

On 4/13/2022 we purchased our brand new 2022 BMW X5 and the sales experience at Melbourne BMW was exceptional however we were not fully explained what the "All Surface Appearance Protection" plan includes as far as services covered. We were under the impression that it covered dings, chips, scratches and love bug damage. The Finance manager from the dealership also never mentioned you have to call a 3rd party company to file a claim, it was presented to us that it would work at any BMW dealership in the US. if we had a problem it would be taken care of there at the dealership when stopped by for service. We found out after I brought my car into the Tampa dealership last Thursday that this plan does not cover dings, scratches, chipped paint after I had to call the 3rd party company number and I was shocked to hear when I was explained that the "All Surface Appearance Protection" plan is for protection against the environment and not against scratches and chipped paint?? At that point, i immediately called the Melbourne Finance Mger bc I felt my husband and I were misinformed and when he called me back that day he explained to me on the phone that there is a separate protection plan that covers tires, dings, dents, key replacement, and rim fixes. My husband nor I remember this conversation at ALL at the time of financing. We'd like a refund on this product bc we feel completely taken advantage of and mislead. Transparency is key in this business and we feel totally blindsided. Had it been explained that this was environmental only and only protects against water spots, love bug damage, and car wash damage (swirls)when we purchased it, we would have never added it. It's really disappointing when you get to the dealership and you find out that what you added is not in fact what was offered/sold to you. I'm now reluctant to promote BMW and their services and this is our 3rd BMW.