10-28-2012, 04:40 AM | #1 |
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GAP
Mornings folks, did any of you take out Gap insurance? Your thoughts greatly appreciated
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10-28-2012, 05:05 AM | #2 | |
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Look at these two sites: http://www.ala.co.uk/ http://www.car2cover.co.uk/
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10-28-2012, 06:04 AM | #4 |
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It's hard to not justify getting GAP insurance when the premium is so low but the potential cover is so much.
I'll definitely be getting it.
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10-28-2012, 06:19 AM | #5 |
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Without a doubt, imagine the horror when your insurance payout doesn't cover the cost of replacing the vehicle on a like for like basis or doesn't over the cost of repaying a loan - that's a scary thought.
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10-28-2012, 06:21 AM | #6 |
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I went with the Vehicle Replacement+ from ALA. For the small amount it costs when compared to the car or even one thing on the options list it seemed to be a useful addition.
If you use the code GAP12 there as well you'll get 10% off the total
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10-28-2012, 07:17 AM | #8 |
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10-28-2012, 09:03 AM | #9 |
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I didn't take the cover offered by the dealer as I'd rather shop around. Also, as others have said its also about where you live, plus your attitude to risk and what you do with your car. In my circumstances I've decided not to take GAP insurance. Time will tell if that was the right decision.
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10-29-2012, 09:47 AM | #10 | |
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I was going to pay £600 just for the GAP insurance with the Dealer!! Looking at the ALA quote for around £835 I can get GAP, TYRE, ALLOY and DENT/SCRATCH cover.. which is not bad at all. Has anyone actually made a claim yet under these type of policies...any issues encountered?..thanks guys.
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10-29-2012, 10:58 AM | #11 | |
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I paid £199 and got £3K back from a fiesta we had from new, it was 2 years 11 months old and due for sale when some Wan**r wrote it off, we ended up with "New money" for the write off. I have used this same company for all my cars they are well cheap and do the business, good luck.
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10-29-2012, 11:09 AM | #12 |
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Always happy to help. I'll let you know where to send the commission cheque
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10-29-2012, 11:43 AM | #13 |
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I was offered GAP by the dealership at the usual eye-watering rate so I went to car2cover (who I used for GAP on my E81) and got a quote, I also got a quote off them for tyre insurance having had to replace 3 RFTs in 2 years. When I went to collect the car I showed the dealer the quotes and they matched them on the spot - no quibble.
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10-29-2012, 01:12 PM | #14 |
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Thanks guys...Rob has the right idea..!!
No doubt I vill be having ze quiet word with ze Dealer..
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10-29-2012, 01:14 PM | #15 | |
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10-29-2012, 01:21 PM | #16 |
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[QUOTE=johnbmw6;12909164] you've been "STUNG MATE".
John not yet matey..I haven't actually paid!! Thanks for the insight..
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10-29-2012, 01:24 PM | #17 |
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[QUOTE=F30FAN;12909871]No probs, just play them, get other quotes and see what they come up with.
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10-29-2012, 02:33 PM | #18 |
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10-29-2012, 02:39 PM | #19 | |
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Also, make sure you go through a cashback website such as Quidco! I think I got about £20 cashback from Ala. |
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10-29-2012, 03:39 PM | #20 | ||
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10-29-2012, 03:54 PM | #22 |
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What's the more popular choice, BACK TO INVOICE or VEHICLE REPLACEMENT?
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