[AllanG]

Which companies can anyone recommend for GAP Insurance over a 3 or 4 year period?

Also, is it better to get cover which pays 'return to invoice' value, or 'vehicle replacement'?

I have already got a quote from my Audi dealer of £549 for 3 years, and their cover is for a 'return to invoice' policy, which appears expensive to me.

In my case, no finance has been taken out, and it's for a new Q5.

Cheers, Allan

 

[Isleaiw]

Ala. frank pickles - highly recommended over on the BMW forums, think you may be able to get a discount by saying you were recommended from there...

If I remember rightly, RTI gets you back to what you paid, but VR pays what is needed for same car - handy if discounts have dropped or you got an extremely good deal...

 

[mxnrg]

I have used car2cover.co.uk for my current car and two previous cars. I went for one level above 'Return To Invoice' which is Vehicle Replacement Cover (Current List Price of your car or equivalent at the time of claim). I've fortunately not had to make a claim, but they got rated well by Which in the UK and were competitive given the product.

I'm not affiliated in any way with the firm, just an honest opinion.

Sent from my iPhone using Tapatalk Pro

 

[PRT]

I recently purchased Gap from ALA, what ever you do don't buy it through dealers as its very expensive, also re discounts money saving expert were offering a 25% discount up to 31st December on ala.co.uk, the code is MSE25, just tried it and if you type it in the promotional box and hit return key a couple of time it still works, its a bit hit and miss but worth a try !

 

[AllanG]

I recently purchased Gap from ALA, what ever you do don't buy it through dealers as its very expensive, also re discounts money saving expert were offering a 25% discount up to 31st December on ala.co.uk, the code is MSE25, just tried it and if you type it in the promotional box and hit return key a couple of time it still works, its a bit hit and miss but worth a try !

Many thanks for this code, which I'll try later today. As I'm still unsure whether to go for the 'return to invoice' or 'replacement vehicle' cover, and for how many years, and what maximum payout limit, would you mind sharing the options you took out?

 

[PRT]

I went for return to invoice, makes it a bit cheaper plus the discount helps, my analogy was that you have to stop somewhere and as its something that hopefully I won't use I decided to save myself a few pound now and worry about it when I ever claimed on it.

 

[Nemo]

I've gone for Replacement Vehicle with Gapinsurance.co.uk which is Frank Pickles.

Which as someone posted above I believe to be better as if I compare the price of my car when I bought it almost 2yrs ago vs price now - the car now is something like £2.5-3k more in price. This way should the worst happen that incremental cost is covered for me.

 

[Stobsie]

Which companies can anyone recommend for GAP Insurance over a 3 or 4 year period?

Also, is it better to get cover which pays 'return to invoice' value, or 'vehicle replacement'?

I have already got a quote from my Audi dealer of £549 for 3 years, and their cover is for a 'return to invoice' policy, which appears expensive to me.

In my case, no finance has been taken out, and it's for a new Q5.

Cheers, Allan

Hi Allan

I recently purchased my Sq5 and took out 4yrs Gap insurance (return to invoice cover) with Warranty Direct for £226 and that was for £22.5k of cover.

 

[AllanG]

Many thanks, guys, for all your recommendations so far........anymore from anyone else???

 

[mxnrg]

Hi Allan

I recently purchased my Sq5 and took out 4yrs Gap insurance (return to invoice cover) with Warranty Direct for £226 and that was for £22.5k of cover.

For comparison, car2cover SQ5 replacement vehicle 5 year quote £419, unlimited cover (which I plan to take out).

Sent from my iPad using Tapatalk Pro

 

[DAN@ADRIAN FLUX]

Hi,
Just to let you know that we offer a product called Total Loss Protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative.
Regards,
Dan.

 

[AllanG]

Just an update to this thread, I've gone with ALA Insurance, and got a great deal for their replacement vehicle plus policy, as they matched the Total Loss Gap 123 quote, and then discounted this by a further 20%.....so well pleased!! í ½í±í ½í± Just hope I'll never have to claim on the policy.....haha!!

Thanks for all your contributions!

 

[missile]

How much was it ?

 

[AllanG]

For 4 years Cover, with a maximum payout benefit of £40000, I paid £187.25, and my vehicle value is £47290.