Originally Posted by davyk31
You can normally buy the policy now but defer its start to start of year 2, that way you don't waste the cover.
I also would go return to invoice rather than replacement, after 3 years you may not want the same car again or you may not want the car the GAP insurers may locate for you. If you have the money to either use for a car or clear credit then you can buy whatever replacement YOU fancy.
Please clarify, Do you need to take out the GAP Ins when you the car or can you wait until the second year.