Bought the GAP insurance last night from ala.co.uk (Thanks to rjberry for his 10% code
).
I went for return to invoice 4 year GAP with a max claim of £20k, knowing that I'll probably want a new car in 2-3 years time so rather have the cash instead. I also figured out I was never going to be able to claim more than £20k so didn't bother paying more for £25k max claim amount. I think £15k would have been enough but once the car gets over the 3rd year, the numbers get awefully close to £15k and may even go slightly over so £20k is probably right for a 4 year cover.