Which GAP insurance and is SMART insurance worth it?

nickcooluz · 02-28-2017, 09:36 AM

Hi,

I have never bought any of these products before and was wondering what GAP to consider out of RTI VRI and FCH. I have got myself a PCP with 1k deposit down, 19% discount off the retail price of the car and was wondering if anyone could advice what would be the best GAP option to pick.

Has anyone bought SMART dent & scratch insurance before? Is it worth getting?

Currently looking at Car2cover and ala and was wondering if anyone has used them before?

Cheers

Danneh141 · 02-28-2017, 09:44 AM

ALA GAP Insurance is well rated and they normally always offer 5% or 10% off discount codes. A few have used on here, including me, I've never had to claim though.

Also do price match.

225 · 02-28-2017, 10:54 AM

frankpicles all the way for gap and you will get a forum discount.
Make sure you get a full replacement policy so regardsless of how much it costs now you get a like for like amount.

MrChumley · 02-28-2017, 11:03 AM

Given the chances of needing to claim on GAP are pretty negligible, I only go for finance gap, ie enough to clear the PCP. The idea of paying a higher premium to potentially be in a better position than pre-loss is to my mind not insurance, it's speculation.

If you want to gamble another £100 by all means go for RTI or VR.

I find SMART is good value but I seem to be a magnet for flying stones

nordberg · 02-28-2017, 01:20 PM

I never see the sense in choosing RTI rather than VRI

ronime · 02-28-2017, 02:08 PM

Mention the F30 Bimmerpost forum for 10% discount on an already competitive premium from Frank Pickles.

Replacement vehicle cover for me. If the pound drops any more and discount rates drop well below 22% the invoice value of my current vehicle is not going to cover the cost of the replacement Gxx model in two or three years time.

scusswold · 02-28-2017, 02:23 PM

+1 for frankpickles - gap insurance dot co dot uk with forum discount...

nickcooluz · 02-28-2017, 02:40 PM

Quote:

Originally Posted by ronime

Mention the F30 Bimmerpost forum for 10% discount on an already competitive premium from Frank Pickles.

Replacement vehicle cover for me. If the pound drops any more and discount rates drop well below 22% the invoice value is not going to cover the cost of the replacement Gxx model in two or three years time.

whats the website for Frank Pickles? Google brings up a caravan insurance broker!

nickcooluz · 02-28-2017, 02:45 PM

Quote:

Originally Posted by scusswold

+1 for frankpickles - gap insurance dot co dot uk with forum discount...

Cheers for the website name

Gorsh · 02-28-2017, 03:26 PM

Quote:

Originally Posted by nickcooluz

Cheers for the website name

Frank Pickles have split the business - tells you all about it on the about us page of gapinsurance.co.uk

Soul_Glo · 03-01-2017, 12:48 AM

This might help... http://www.e90post.com/forums/showthread.php?t=1353606

simon the pieman · 03-01-2017, 02:02 AM

I went with Car2cover. Got an online discount and it's a 4year policy RTI for £190.
Seemed pretty good to me. I'm sure there might be cheaper but not by much.

ronime · 03-01-2017, 01:19 PM

Quote:

Originally Posted by simon the pieman

I went with Car2cover. Got an online discount and it's a 4year policy RTI for £190.
Seemed pretty good to me. I'm sure there might be cheaper but not by much.

Check your policy. What is the upper limit on claims?

simon the pieman · 03-02-2017, 02:03 AM

Quote:

Originally Posted by ronime

Quote:

Originally Posted by simon the pieman

I went with Car2cover. Got an online discount and it's a 4year policy RTI for £190.
Seemed pretty good to me. I'm sure there might be cheaper but not by much.

Check your policy. What is the upper limit on claims?

£25000

wlightning · 03-02-2017, 03:26 AM

Highly recommend Frank Pickles. Speak to David. Very competitive pricing and you get 10% forum discount as well.

02-28-2017, 09:36 AM	#1
nickcooluz Private First Class 54 Rep 168 Posts Drives: 430d Join Date: Dec 2016 Location: London iTrader: (0)	Which GAP insurance and is SMART insurance worth it? Hi, I have never bought any of these products before and was wondering what GAP to consider out of RTI VRI and FCH. I have got myself a PCP with 1k deposit down, 19% discount off the retail price of the car and was wondering if anyone could advice what would be the best GAP option to pick. Has anyone bought SMART dent & scratch insurance before? Is it worth getting? Currently looking at Car2cover and ala and was wondering if anyone has used them before? Cheers
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02-28-2017, 09:44 AM	#2
Danneh141 Enlisted Member 10 Rep 33 Posts Drives: 340i M Sport Join Date: Oct 2016 Location: UK iTrader: (0)	ALA GAP Insurance is well rated and they normally always offer 5% or 10% off discount codes. A few have used on here, including me, I've never had to claim though. Also do price match.
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02-28-2017, 10:54 AM	#3
225 Brigadier General 2281 Rep 4,933 Posts Drives: 340i Join Date: Jan 2016 Location: Uk iTrader: (0)	frankpicles all the way for gap and you will get a forum discount. Make sure you get a full replacement policy so regardsless of how much it costs now you get a like for like amount.
	Appreciate 0 Quote

02-28-2017, 11:03 AM	#4
MrChumley Major 453 Rep 1,116 Posts Drives: F33 440i convertible Join Date: Oct 2016 Location: East Midlands iTrader: (0)	Given the chances of needing to claim on GAP are pretty negligible, I only go for finance gap, ie enough to clear the PCP. The idea of paying a higher premium to potentially be in a better position than pre-loss is to my mind not insurance, it's speculation. If you want to gamble another £100 by all means go for RTI or VR. I find SMART is good value but I seem to be a magnet for flying stones
	Appreciate 1 nickcooluz53.50 Quote

02-28-2017, 01:20 PM	#5
nordberg Major 178 Rep 1,470 Posts Drives: F31 330d M Sport Join Date: Nov 2013 Location: Somewhere iTrader: (1)	I never see the sense in choosing RTI rather than VRI
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02-28-2017, 02:08 PM	#6
ronime Captain 344 Rep 834 Posts Drives: BMW X1 sDrive20i M Sport MHT Join Date: Aug 2016 Location: West Yorkshire, UK iTrader: (0)	Mention the F30 Bimmerpost forum for 10% discount on an already competitive premium from Frank Pickles. Replacement vehicle cover for me. If the pound drops any more and discount rates drop well below 22% the invoice value of my current vehicle is not going to cover the cost of the replacement Gxx model in two or three years time. __________________ BMW X1 sDrive20i ///M Sport MHT Last edited by ronime; 02-28-2017 at 04:09 PM..
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02-28-2017, 02:23 PM	#7
scusswold Private 17 Rep 60 Posts Drives: 2016 F30 M Sport Join Date: Jan 2017 Location: Near Bristol iTrader: (0)	+1 for frankpickles - gap insurance dot co dot uk with forum discount... __________________ Scusswold 2016 F30 Mineral Grey, M Sport plus package, Harman Kardon, Professional Nav, High Beam Assist
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03-01-2017, 12:48 AM	#11
Soul_Glo Major General 13346 Rep 7,484 Posts Drives: G20 Join Date: May 2013 Location: Manhattan, NYC iTrader: (1)	This might help... http://www.e90post.com/forums/showthread.php?t=1353606
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03-01-2017, 02:02 AM	#12
simon the pieman Captain 239 Rep 833 Posts Drives: f44 M235i gran coupe Join Date: Jun 2015 Location: hertfordshire iTrader: (0)	I went with Car2cover. Got an online discount and it's a 4year policy RTI for £190. Seemed pretty good to me. I'm sure there might be cheaper but not by much.
	Appreciate 0 Quote

03-02-2017, 03:26 AM	#15
wlightning Second Lieutenant 68 Rep 263 Posts Drives: F30 340i EBII Join Date: Sep 2016 Location: Cheshire iTrader: (0)	Highly recommend Frank Pickles. Speak to David. Very competitive pricing and you get 10% forum discount as well.
	Appreciate 1 nickcooluz53.50 Quote