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GAP insurance
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JackNorris
 


Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1877

United Kingdom 2005 Discovery 3 4.4 V8 HSE Auto Tonga GreenDiscovery 3
GAP insurance

Hi all

Has anyone purchased GAP through others that are not the dealer?

I am aware a lot of these types of things are not worth the money they are written on until they actually pay out.

Thanks
 MY2023 Discovery 5 R-Dynamic 3.0
MY2020 Discovery 5 Landmark 3.0 - SOLD
MY2005 Discovery 3 V8 4.4 HSE - SOLD
MY2019 Discovery 5 SE 3.0 - LR Replaced !
MY2005 Discovery 3 S 2.7 - SOLD
MY2016 Discovery 4 Graphite - SOLD
MY2015 Discovery 4 SE Tech - SOLD 
 
Post #20332282nd Mar 2019 2:09 pm
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Russell
 


Member Since: 23 Aug 2007
Location: Kent
Posts: 10564

United Kingdom 

Yes I have it on my D5 and the wifes MX5
Cant tell you how good they are but they had a good write up., hope never to use them but they were alot cheaper than delaer recomendations.
 MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club 
 
Post #20332302nd Mar 2019 2:16 pm
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JackNorris
 


Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1877

United Kingdom 2005 Discovery 3 4.4 V8 HSE Auto Tonga GreenDiscovery 3

Who did you use Russell? Thanks
 MY2023 Discovery 5 R-Dynamic 3.0
MY2020 Discovery 5 Landmark 3.0 - SOLD
MY2005 Discovery 3 V8 4.4 HSE - SOLD
MY2019 Discovery 5 SE 3.0 - LR Replaced !
MY2005 Discovery 3 S 2.7 - SOLD
MY2016 Discovery 4 Graphite - SOLD
MY2015 Discovery 4 SE Tech - SOLD 
 
Post #20332352nd Mar 2019 2:36 pm
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8044

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4

I actually hassled my daughter to get GAP insurance as she paid way over the odds for a 2nd hand car from a trader before Christmas.

Good job too as a hit-and-run wrote it off. Insurance valued it at around £1000 less than she paid but the GAP insurance paid the difference with no quibbles at all.

Was through Arnold Clarke and £8.99/month
  
Post #20332612nd Mar 2019 4:19 pm
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DrRobH
 


Member Since: 10 Oct 2015
Location: Hampshire
Posts: 924

United Kingdom 

www.ala.co.uk Thumbs Up
Superb customer service. Used them a lot but not claimed...
Dealers charge way too much for gap insurance...
Don’t get me started on paint protection, tyre insurance etc etc Robbing Censored
 Visitor from fullfatrr.com
RR Vogue SE 2011 4.4 TDV8
1974 Lightweight 
 
Post #20332652nd Mar 2019 4:56 pm
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J@mes
 


Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4544

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

If you use the d3/4 Facebook group, someone on there had their 4 year old HSE LUX stolen before Christmas and their GAP insurance has just paid out to original invoice cost Shocked
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #20332742nd Mar 2019 5:25 pm
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Peakwayfarer
 


Member Since: 25 Apr 2016
Location: Uk
Posts: 434

England 

Worth trying https://www.gapinsurance.co.uk, been about for a good few years, and used them on seven cars over the years, appear to have good reviews and a good reputation, but fortunately not had to use them, but they have always been very helpful and fair when I have changed cars etc
  
Post #20333002nd Mar 2019 6:56 pm
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JackNorris
 


Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1877

United Kingdom 2005 Discovery 3 4.4 V8 HSE Auto Tonga GreenDiscovery 3

Cheers chaps - shall browse those links. Good to hear people have used them too and they have paid out.
 MY2023 Discovery 5 R-Dynamic 3.0
MY2020 Discovery 5 Landmark 3.0 - SOLD
MY2005 Discovery 3 V8 4.4 HSE - SOLD
MY2019 Discovery 5 SE 3.0 - LR Replaced !
MY2005 Discovery 3 S 2.7 - SOLD
MY2016 Discovery 4 Graphite - SOLD
MY2015 Discovery 4 SE Tech - SOLD 
 
Post #20333152nd Mar 2019 7:18 pm
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 296

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

I did a lot of research and settled on ALA.
I actually spoke to the Ops Director and he was very helpful.
I was lucky to find a 25% discount code at the time - so have a look around.
They are FCA regulated.
I noticed that if you go via TopCashback they are paying out 15.75% cash back at the moment.
My circumstances were, that I had NFU insurance for the first 2 years who replace the car as new in the event of total loss for the first 2 years.
Six months after that 2 years cover came to an end I took out an AlA Agreed Valuation Gap policy at £40k for 5 years cover.
So basically my logic is that in the event of a total loss I have secured my £40k capital for a total of 7 and 1/2 years.
Which for me is peace of mind.
  
Post #20333952nd Mar 2019 10:06 pm
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 296

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Just remembered where I got the discount code from and it is still LIVE!!!

Go to money saving expert website and search for GAP insurance.

Use the special link on their site to ALS and code MSE25 to get 25% discount.

Fill your boots Thumbs Up
  
Post #20333962nd Mar 2019 10:09 pm
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craigc
 


Member Since: 26 Feb 2010
Location: swansea
Posts: 143

Wales 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Swambo picking Up new car on Monday, dealer wanted £349 for Gap ,also looked on Moneysaving.com with 25% saving £94 👍
  
Post #20334012nd Mar 2019 10:30 pm
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BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3639

United Kingdom 

GAP insurance shouldn't be compared on price alone. There are various forms such as Back to Invoice, PCP, Finance, Top Up, Back to Invoice with Increase Cost of Replacement Car or Purchase price and Finance Combined.

Purchase the correct product for your needs and in the event of a total loss it can be invaluable.

But beware that if you don't select the correct policy you could be very disappointed when Insurers refuse to pay the claim Thumbs Up
  
Post #20334052nd Mar 2019 10:46 pm
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Peakwayfarer
 


Member Since: 25 Apr 2016
Location: Uk
Posts: 434

England 

Totally agree, it’s not just price but the level of cover that’s most important.
  
Post #20334393rd Mar 2019 7:29 am
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Russell
 


Member Since: 23 Aug 2007
Location: Kent
Posts: 10564

United Kingdom 

JackNorris wrote:
Who did you use Russell? Thanks


Jack will try to remeber to check when I get home late this evening. Thumbs Up
 MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club 
 
Post #20334453rd Mar 2019 7:51 am
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ronp
 


Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15208

United Kingdom 2014 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

craigc wrote:
Swambo picking Up new car on Monday, dealer wanted £349 for Gap ,also looked on Moneysaving.com with 25% saving £94 👍


Now is this not a new money making scheme from insurers !!!!!!

Wife picked her new (17 plate) car up on Thurs.
The insurance had a value of her car at £2 lower than what she paid and they wanted her to take Gap insurance out on that value.
Now when looking for her vehicle I had a good look around all the dealers (on web) for the same model and spec of car and reckon she got a good deal at the price she paid ..... yet insurers valued it at 2k less!!
I'm sure this is a new scam in the brewing. Evil or Very Mad
 🏴󠁧󠁢󠁳󠁣󠁴󠁿  
Post #20334523rd Mar 2019 8:48 am
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