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MrH
Member Since: 08 Aug 2007
Location: lost in the forest
Posts: 7754
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| GAP Insurance for new vehicle - recommendations WTD |
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Hi guys, contemplating GAP insurance to cover the difference between insurance payout and cost of a replacement for the first 3 years in the even of a total loss.
Got a great deal from dealers when I got my D4 in 2010, but they can't match it this time, so looking for recommendations. TIA  LRs are a fond memory, apart from the maintenance.
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 12th Aug 2015 4:56 pm |
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galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
 
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our 63 plate GS was £300......for £42500...with the dealer
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| 12th Aug 2015 4:58 pm |
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Red Merle
Member Since: 30 Aug 2014
Location: Liskeard
Posts: 7441
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Huge differences to be seen in costs and levels of cover. Lots of research for my last car turned up these people:
https://car2cover.co.uk/contact-us/
The cover that they offered was so much better than everyone else and the cost was amongst the lowest, they even do a 5 year policy. 2011 - 2015: 3 x FL2
2015 - 2017: 2 x D4
2017 to date: FFRR SDV8
2023 to date: 2 x FL2 as “second” cars 🙄
2021 to date: Hinckley built ‘14 Triumph Trophy 1200
2022 to date: Hinckley built ‘14 Triumph Trophy 1200 & sidecar!
(One of only two known to exist in the world!)
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| 12th Aug 2015 5:02 pm |
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MrH
Member Since: 08 Aug 2007
Location: lost in the forest
Posts: 7754
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Thanks guys. Will give them a call tomorrow Red Merle
Dealer quote was £699 this time, compares quite unfavourably with the £135 I paid in 2010, but they say they are restricted these days and can't do insurance deals for individual customers anymore, "it's the same price for all nowadays" were the words, albeit very apologeticly. Hence I'm looking at options. LRs are a fond memory, apart from the maintenance.
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| 12th Aug 2015 5:35 pm |
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NoDo$h
Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689
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There's a business manager who would cheerfully slap the accountants given half a chance....
Try www.ala.co.uk I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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| 12th Aug 2015 6:03 pm |
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MrH
Member Since: 08 Aug 2007
Location: lost in the forest
Posts: 7754
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 you're right there.
Cheers will take a good look tomorrow. But initial stab was more acceptable with GAP to replacement being approx £350 and GAP to invoice was approx £260.
LRs are a fond memory, apart from the maintenance.
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| 12th Aug 2015 6:15 pm |
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Hairy Dan
Member Since: 19 Jan 2011
Location: Co. Durham
Posts: 12319
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When I got my new one last September they initially quoted £650 and when I said I was shopping around they suddenly dropped it to £150  Cheers Ian
--------------------
Club N.E.R.D.S
Kielder 4x4 Safari
Discoless
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| 12th Aug 2015 8:48 pm |
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Biffysun
Member Since: 09 Jul 2011
Location: Central
Posts: 1790
 
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+1 for Car2Cover
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| 12th Aug 2015 8:50 pm |
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DrRobH
Member Since: 10 Oct 2015
Location: Hampshire
Posts: 927
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Always used ALA.....much much cheaper than dealer 
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| 12th Oct 2015 10:57 am |
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Kilovolt
Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 1079
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A very good friend of mine has just written of an Insignia Estate by hitting a bridge parapet (long story). 
New it was £24k. Now worth (estimate some 18 months later) £15k.
He has GAP insurance. Lloyds Bank I think. He will get full payout. He is a lucky boy on several fronts.
I would say on £40k plus cars it is a must have. "Track day running - Don't put your foot back on the accelerator until your absolutely sure you don't have to take it off again"
Current Ride: D4 XS Commercial Baltic Blue SDV6 fully loaded with heated everything 
Track Days: BMW E36 M3 Evolution MY 1996 (3.2 Litre 377 BHP sat in 1,250 Kgs of car, with a pro safety cage and some serious braking power)
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| 12th Oct 2015 12:44 pm |
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Scottbrad
Member Since: 20 Dec 2014
Location: Newcastle upon Tyne
Posts: 230
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I got GAP insurance for free when I bought my then new MY15 in March, happy days. Think they had targets which they hadn't hit. Cheers Scott.
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| 12th Oct 2015 3:16 pm |
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Red Merle
Member Since: 30 Aug 2014
Location: Liskeard
Posts: 7441
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Car2cover:
GAP to replacement value for a new HSE, for 6 years (1st year covered by own insurance, 5 year GAP period deferred for 12 months), transferable to a replacement car, maximum claim value £50,000. No mileage limitation (which is handy, as 6 years will mean 150-180,000 miles).
Premium? £364 inc IPT (with £214.04 of that already paid by the refund on my old Freelander's policy; cost to upgrade? <£150) 2011 - 2015: 3 x FL2
2015 - 2017: 2 x D4
2017 to date: FFRR SDV8
2023 to date: 2 x FL2 as “second” cars 🙄
2021 to date: Hinckley built ‘14 Triumph Trophy 1200
2022 to date: Hinckley built ‘14 Triumph Trophy 1200 & sidecar!
(One of only two known to exist in the world!)
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| 12th Oct 2015 6:15 pm |
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