[ZigmundUK]

What have folk done for this? Bmw offering return to invoice one for £440 but car2cover has vehicle replacement one for £300 odd. Also can do tyre insurance with car2cover for about another £300.

[RamboUK]

Originally Posted by ZigmundUK

What have folk done for this? Bmw offering return to invoice one for £440 but car2cover has vehicle replacement one for £300 odd. Also can do tyre insurance with car2cover for about another £300.

I got this included in my deal as i didnt want to pay for it and never have in all the cars i bought. I always opted for the return to invoice. Always worth having for a brand new car.

i wouldnt bother with the tyre cover unless you do lots of miles, i got it for my f10 and didnt even use it. i have done nearly 50k in my f10 now. i have only had to change the rear tyres since i bought it.

[cerbera]

Always used www.gapinsurance.co.uk

Good helpful service, offer return to invoice or replacement car, and competitive.

They now offer tyre and wheel cover as well....I would have tyre cover as the cost of the policy for three years is the cost of one tyre, and I always have needed at least two, but that's insurance, it's a gamble.

[RamboUK]

Originally Posted by cerbera

Always used www.gapinsurance.co.uk

Good helpful service, offer return to invoice or replacement car, and competitive.

They now offer tyre and wheel cover as well....I would have tyre cover as the cost of the policy for three years is the cost of one tyre, and I always have needed at least two, but that's insurance, it's a gamble.

The tyre insurance i thought it was a con as you have to pay a admin fee when you claim and at the same time it depends on how much of the tyre has eroded so you will have to put some money towards the tyre to get it replaced. If you get a puncture early on then great but if later it may be even better to have just paid for the tyre itself to get replaced

[cerbera]

No admin fee...

6mm tread or better 100 % of the tyre cost, 2-6 mm 50 %.

On my last two cars I've had more back than the cost of the insurance, guess I'm unlucky.

Run flats seem to be more vulnerable to tirewall damage and punctures, and you can't repair them either..

[RamboUK]

Originally Posted by cerbera

No admin fee...

6mm tread or better 100 % of the tyre cost, 2-6 mm 50 %.

On my last two cars I've had more back than the cost of the insurance, guess I'm unlucky.

Run flats seem to be more vulnerable to tirewall damage and punctures, and you can't repair them either..

Hi mate that sounds like the same as mine but without the admin fee.

I got it from the delaler when i bought my F10 didnt end up needing it.

i am on 50k miles with only the back sets that i have replaced. So i have been lucky but at the same time i have a set of winters too.

[AP]

am about to order a G30 and will look at this (didn't do this for my previous new car). But certianyl won't get it from a BMW dealer as I suspect it will not be the cheapest. The other option is to ask for teh car insurance to cover it back to a replacement new car possibly?

[cerbera]

Your car insurance will normally cover a car replacement for the first 12 months, but check in your policy document that is the case, they may put a mileage limit which will mean that this runs out sooner.

GAP kicks in to cover you from when your insurance won't provide a new car , most GAP policies allow you to defer to take this into account, but you must buy the GAP insurance when the car is new, within a few days of delivery.

I found BMW GAP was 50-100% more expensive than from a specialist provider.

Is it worth having?...my last car, F10 535d, still owed £33k on the finance, but its market value was around £23k...so if I'd had an accident that was my fault and it was written off, I'd have been in the hole for £10k.

Against that a 4 year replacement car GAP, so not only is the £10k covered but also back to the new car price, for £350 , seemed like worth the money to me.

Hope this helps

[ZigmundUK]

Hi all. Thanks for the responses. Yes gap is definitely worth it. I hadn't realised there was a return to invoice as well as replacement car. The replacement car is better since if car prices are higher when the accident happens compared to when you bought it they'll pay for the higher price. Return to invoice just does stated invoice price.

In my case I'll do the tyre insurance coz although I'll be sitting with 8 summer tyres very soon, the winters are v expensive and if even one puncture occurs - it'll pay for itself.

[Notechy]

Originally Posted by cerbera

Your car insurance will normally cover a car replacement for the first 12 months, but check in your policy document that is the case, they may put a mileage limit which will mean that this runs out sooner.

GAP kicks in to cover you from when your insurance won't provide a new car , most GAP policies allow you to defer to take this into account, but you must buy the GAP insurance when the car is new, within a few days of delivery.

I found BMW GAP was 50-100% more expensive than from a specialist provider.s

Agree fully. But do check the details on your main insurance. Some say things like "if same car available". Most of us will have specs which require ordering.

[JOHNBMWM5]

Originally Posted by ZigmundUK

What have folk done for this? Bmw offering return to invoice one for £440 but car2cover has vehicle replacement one for £300 odd. Also can do tyre insurance with car2cover for about another £300.

Gapinsurance.co.uk Frank Pickles , best one out their for value.

[ZigmundUK]

Originally Posted by JOHNBMWM5

Gapinsurance.co.uk Frank Pickles , best one out their for value.

Thanks. Tried their quote - not as good as car2cover who I've used before.