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GAP insurance
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Gary_P
 


Member Since: 03 May 2016
Location: Kent
Posts: 1682

Ukraine 2016 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

These two links on Which are useful and what I used.

This ones explains types of Gap insurance:

https://www.which.co.uk/money/insurance/ca...headline_4

This link gives a number of comparison quotes from different companies. I tried quite a few to get the best 5 year quote. On a new car many insurers provide this as standard for the first year:

https://www.which.co.uk/money/insurance/ca...9ck3n3htyp
 Gary
-------------------------------------------

Discovery 4 HSE 2016MY 
 
Post #20334833rd Mar 2019 10:26 am
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NJSS
 


Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10844

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

I have just got a quotation for Return to Value Gap Cover Insurance from Warranty Direct for my Landmark. They value the car at £37,166 but the cover has a claim limit of £40,000.

The quoted premiums are:-

£185.34 - Cover for 2 years

£201.10 - Cover for 3 years

£258.50 - Cover for 4 years

I don't consider that too bad, but have yet to shop around.

I'm going to see if I can get a discount if I take out an extended warranty at the same time.

NJSS
 Am I Gammon or Woke ? - I neither know nor care.

2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t. 
 
Post #20335023rd Mar 2019 11:09 am
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Grunders
 


Member Since: 30 Apr 2011
Location: Manchester
Posts: 2334

United Kingdom 2012 Discovery 4 3.0 SDV6 XS Auto Orkney GreyDiscovery 4

I use diectgap, used them for 5 years on both my car and motorcycle... good rates, never had to use them but when I was shopping about the feedback was good

https://www.directgap.co.uk
 If it ain't broke... Take it apart anyway, how else you gonna find out how it works  
Post #20335453rd Mar 2019 1:41 pm
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J@mes
 


Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

NJSS wrote:
I have just got a quotation for Return to Value Gap Cover Insurance from Warranty Direct for my Landmark. They value the car at £37,166 but the cover has a claim limit of £40,000.

The quoted premiums are:-

£185.34 - Cover for 2 years

£201.10 - Cover for 3 years

£258.50 - Cover for 4 years

I don't consider that too bad, but have yet to shop around.

I'm going to see if I can get a discount if I take out an extended warranty at the same time.

NJSS


And to think if your car got stolen in 4 years time that £260 could reimburse you £20,000 or more
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #20335493rd Mar 2019 1:58 pm
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NJSS
 


Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10844

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

Quote:
And to think if your car got stolen in 4 years time that £260 could reimburse you £20,000 or more


So I am lead to believe, where's the catch?

They never asked if I had made a claim for vehicle theft, or written a car off, which I find strange.

The answer is no write offs, or other insurance claims, save for storm damage once.

One car stolen, in the mid-60's a 1275 cc Mini Cooper S; recovered after insurers had paid out.

NJSS
 Am I Gammon or Woke ? - I neither know nor care.

2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t. 
 
Post #20335603rd Mar 2019 2:29 pm
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JackNorris
 


Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879

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

Thanks all,

So take ALA. they offer Invoice Plus or Vehicle Replacement Plus.

They only bonus i see for the vehicle replacement plus is that it covers you if the cost of the car rises?

Am i missing something? Thanks Thumbs Up
 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 #20336453rd Mar 2019 7:18 pm
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 303

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

If the car is new and you get a really good deal with decent discounts etc. Then vehicle replacement is the way to go as it will payout the difference between your insurers settlement and the cost of actually replacing the vehicle in the future.
That was what I did with the Mrs as we got £7k discount off list price of her new car as we caught a dealer looking to shift tin at month end.
  
Post #20336593rd Mar 2019 7:41 pm
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Gary_P
 


Member Since: 03 May 2016
Location: Kent
Posts: 1682

Ukraine 2016 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

My policy covers the greater of the price to invoice or replacement car whichever is greater. As it was explained to me, prices of cars rise and then you find you can't purchase a replacement for the original invoice amount. This is especially the case the more years the policy is in place.
 Gary
-------------------------------------------

Discovery 4 HSE 2016MY 
 
Post #20337253rd Mar 2019 11:17 pm
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BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

United Kingdom 

What do they pay you when the car is no longer made so there is no "replacement" car available and neither is there a replacement car value?
  
Post #20337263rd Mar 2019 11:28 pm
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Gary_P
 


Member Since: 03 May 2016
Location: Kent
Posts: 1682

Ukraine 2016 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

That's covered in the policy.
" A vehicle of the same make, age, mileage and specification as the insured vehicle when you bought it. If the model is no longer available then the price of the nearest equivalent vehicle will be used"
 Gary
-------------------------------------------

Discovery 4 HSE 2016MY 
 
Post #20337324th Mar 2019 12:04 am
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JackNorris
 


Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879

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

Got it down to ALA, Gapinsurance.co.uk or DirectGap

All within a similar price point. About 50% of what LR charge. Leaning towards ALA Thumbs Up
 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 #20342475th Mar 2019 9:55 pm
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