GAP Insurance Recommendations

Manchesterr · 10-28-2018, 06:39 AM

I'm picking up a new car on Wednesday, well, March 2018 (4 year PCP with Williams), and want to look at GAP insurance before picking up my car, and being offered their high price version.

Any recommendations, along with the type to go for would be appreciated.

AlwynMike · 10-28-2018, 06:48 AM

ALA (discount codes available)
I used totallossgap which would give me a replacement new car (even if a newer model) for 5 years should mine be written off

SkyJawa · 10-28-2018, 07:43 AM

Frank Pickles aka gapinsurance.co.uk

Rbrown · 10-28-2018, 08:36 AM

Quote:

Originally Posted by SkyJawa

Frank Pickles aka gapinsurance.co.uk

+1.

Quote this forum and you get a discount.

ian332isport · 10-28-2018, 08:54 AM

I went with ALA. They price matched the best I could find elsewhere.

TiredGeek · 10-28-2018, 01:22 PM

Total Loss Gap.
Significantly cheaper and better cover than all the others I checked out. Made the dealers offering look stupid

AlwynMike · 10-28-2018, 01:59 PM

Quote:

Originally Posted by TiredGeek

Total Loss Gap.
Significantly cheaper and better cover than all the others I checked out. Made the dealers offering look stupid

I agree.
When I was going through the finance for mine, the Dealer said "Feel free to refuse the world's most expensive GAP Insurance"

Grant_7 · 10-28-2018, 03:06 PM

Just yesterday I purchased GAP from ALA for the Wife's car.

If you use code PISTON12, then it will apply a 12% discount.

Manchesterr · 10-28-2018, 04:03 PM

Quote:

Originally Posted by TiredGeek

Total Loss Gap.
Significantly cheaper and better cover than all the others I checked out. Made the dealers offering look stupid

Wow, that is cheap!! Quite a bit cheaper than the others, and offers return to invoice + replacement.

And thanks everyone for the suggestions, much appreciated

TiredGeek · 10-28-2018, 04:34 PM

Quote:

Originally Posted by Manchesterr

Wow, that is cheap!! Quite a bit cheaper than the others, and offers return to invoice + replacement.

And thanks everyone for the suggestions, much appreciated

Yeh, and check out the wheel and tyre as well, £1 dearer than dealer but significantly better cover

In the end I got GAP new car, W & T, Dent, Excess - about £900 in total but I should be covered for every eventuality now

Novakbmw · 10-28-2018, 05:57 PM

Be mindful you may not need in first 12 months as your insurer may cover you

Check with your insurer first

Also then check with gap provider will insure you after 12 months

999rigger · 10-29-2018, 02:44 AM

Get a cheap like for like quote on the internet and then show it to the dealer. The dealer will match your online price (or mine did anyway).

ian332isport · 10-29-2018, 02:49 AM

Quote:

Originally Posted by 999rigger

Get a cheap like for like quote on the internet and then show it to the dealer. The dealer will match your online price (or mine did anyway).

I don’t think the dealer GAP insurance has the option for replacement vehicle. I’m pretty sure RTI is the top level with them.

NickyF · 10-29-2018, 03:05 AM

Dealers are not supposed to negotiate on these insurance products anymore. They blame the FCA but I've had the same story at other brands. I picked my new car up yesterday and the dealer wanted £650 for 5 years return to (£47k) invoice GAP.

AlwynMike · 10-29-2018, 05:48 AM

I think it's true that you need to buy GAP when the car is new or thereabouts.
Some insurers will take into account your normal car insurance and only start cover when the car is 12 months old.

RoShambolt · 10-29-2018, 07:25 AM

Quote:

Originally Posted by Grant_7

Just yesterday I purchased GAP from ALA for the Wife's car.

If you use code PISTON12, then it will apply a 12% discount.

I always use ALA too, great prices, I can also confirm that if you need to claim they are superb and fast. The policy actually helped me in more ways than expected, I wouldn't buy a new car without it now.

Alice Coupe · 10-29-2018, 08:30 AM

Quote:

Originally Posted by Novakbmw

Be mindful you may not need in first 12 months as your insurer may cover you

Be careful with that assumption. Many insurers will give you a replacement new vehicle in the first 12 months if you claim off your insurance. However, make a claim against someone else's insurance...

KTE · 10-30-2018, 02:02 PM

Glad I came across this, policy taken out with “insurethegap.co.uk” but will probably switch over to ALA or total loss gap.

Seems to be some differences that are quite important.

richatha · 10-30-2018, 04:06 PM

I think I get t a cheap quote from someone else and got ALA to match it and then got the pistonheads.com discount from the forum

jamiegrant10 · 10-30-2018, 06:08 PM

+1 for ALA, got vehicle replacement for less than half the price the dealer was offering and I there theirs was only return to invoice.

Hoping never to use it right enough.

Mrklaw · 12-10-2018, 02:44 AM

Quote:

Originally Posted by Alice Coupe

Be careful with that assumption. Many insurers will give you a replacement new vehicle in the first 12 months if you claim off your insurance. However, make a claim against someone else's insurance...

Bumping to check on this. I have new-for-old in the first 12 months with AXA so was looking at GAP policies with a first year delay.

Does this mean we shouldn’t delay any gap policy as there is no way to know what the other party has?

AlwynMike · 12-10-2018, 03:02 AM

Even though my insurance was new for old for first 12 months, I knew that my insurance would be due mid way through that year and I didn't want to be constrained. Check out prices too - some companies charge for the delayed first year.

10-28-2018, 06:39 AM	#1
Manchesterr Private 7 Rep 86 Posts Drives: 320d M Sport Join Date: Nov 2011 Location: Manchester, UK iTrader: (0)	GAP Insurance Recommendations I'm picking up a new car on Wednesday, well, March 2018 (4 year PCP with Williams), and want to look at GAP insurance before picking up my car, and being offered their high price version. Any recommendations, along with the type to go for would be appreciated.
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10-28-2018, 06:48 AM	#2
AlwynMike Lieutenant Colonel 334 Rep 1,659 Posts Drives: F36 440i GC. Join Date: Sep 2010 Location: Lincolnshire Flatlands iTrader: (1)	ALA (discount codes available) I used totallossgap which would give me a replacement new car (even if a newer model) for 5 years should mine be written off
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10-28-2018, 07:43 AM	#3
SkyJawa Major General 3719 Rep 8,636 Posts Drives: F10 530d Join Date: May 2014 Location: Hampshire iTrader: (1)	Frank Pickles aka gapinsurance.co.uk
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10-28-2018, 08:54 AM	#5
ian332isport Major 705 Rep 1,141 Posts Drives: F31 340i Shadow Edition Join Date: Jun 2018 Location: UK iTrader: (0)	I went with ALA. They price matched the best I could find elsewhere.
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10-28-2018, 01:22 PM	#6
TiredGeek Old Fart 361 Rep 693 Posts Drives: 335dx F31 Shadow EB Join Date: May 2018 Location: Leeds & Strathnaver iTrader: (0)	Total Loss Gap. Significantly cheaper and better cover than all the others I checked out. Made the dealers offering look stupid __________________ The doctors said it's OK to listen to the voices..... just don't do what they tell me
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10-28-2018, 03:06 PM	#8
Grant_7 Lieutenant Colonel 2021 Rep 1,926 Posts Drives: Caterham 420R. Tesla Model 3 Join Date: Feb 2016 Location: Warwickshire iTrader: (0)	Just yesterday I purchased GAP from ALA for the Wife's car. If you use code PISTON12, then it will apply a 12% discount. __________________ F31 340i \| GS with CR & Ash Grain Trim \| M Sport+ Pack \| Prof Media Plus Pack \| Interior Comfort Pack \| Leather Dash \| Folding Mirrors \| Pano Roof \| Elec Mem Seats with Lumbar \| Adaptive Suspension \| Comfort Access \| Reverse Cam \| Surround View \| SLD \| Rear Sunblinds \| Folding Headrests \| Model Designation Delete \| Trim Designation Delete \| MPPSK
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10-28-2018, 05:57 PM	#11
Novakbmw Private First Class 28 Rep 174 Posts Drives: Bmwcoupe Join Date: Sep 2017 Location: London iTrader: (0)	Be mindful you may not need in first 12 months as your insurer may cover you Check with your insurer first Also then check with gap provider will insure you after 12 months
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10-29-2018, 02:44 AM	#12
999rigger First Lieutenant 88 Rep 314 Posts Drives: F33 4 Series Convertible Join Date: Sep 2016 Location: Sheffield iTrader: (0)	Get a cheap like for like quote on the internet and then show it to the dealer. The dealer will match your online price (or mine did anyway).
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10-29-2018, 03:05 AM	#14
NickyF New Member 17 Rep 21 Posts Drives: 458 Spider, Panamera Turbo ST Join Date: Aug 2018 Location: St Albans, UK iTrader: (0)	Dealers are not supposed to negotiate on these insurance products anymore. They blame the FCA but I've had the same story at other brands. I picked my new car up yesterday and the dealer wanted £650 for 5 years return to (£47k) invoice GAP.
	Appreciate 0 Quote

10-29-2018, 05:48 AM	#15
AlwynMike Lieutenant Colonel 334 Rep 1,659 Posts Drives: F36 440i GC. Join Date: Sep 2010 Location: Lincolnshire Flatlands iTrader: (1)	I think it's true that you need to buy GAP when the car is new or thereabouts. Some insurers will take into account your normal car insurance and only start cover when the car is 12 months old.
	Appreciate 0 Quote

10-30-2018, 02:02 PM	#18
KTE First Lieutenant 82 Rep 351 Posts Drives: A slow car Join Date: Oct 2018 Location: England iTrader: (0)	Glad I came across this, policy taken out with “insurethegap.co.uk” but will probably switch over to ALA or total loss gap. Seems to be some differences that are quite important.
	Appreciate 0 Quote

10-30-2018, 04:06 PM	#19
richatha Lieutenant 166 Rep 451 Posts Drives: 340i Join Date: Jan 2018 Location: Leeds iTrader: (0)	I think I get t a cheap quote from someone else and got ALA to match it and then got the pistonheads.com discount from the forum
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10-30-2018, 06:08 PM	#20
jamiegrant10 New Member 3 Rep 28 Posts Drives: BMW 335d XDrive Shadow Ed Join Date: Oct 2018 Location: Scotland iTrader: (0)	+1 for ALA, got vehicle replacement for less than half the price the dealer was offering and I there theirs was only return to invoice. Hoping never to use it right enough. __________________ Current: F30 2018 335d Xdrive Shadow Edition, M-Sport +, Alpine White, Pro Media+, HUD, Apple Carplay, Heated Seats, Extended Storage, Extended Lighting + More. Previous - Audi A4 Quattro, Fiesta ST
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12-10-2018, 03:02 AM	#22
AlwynMike Lieutenant Colonel 334 Rep 1,659 Posts Drives: F36 440i GC. Join Date: Sep 2010 Location: Lincolnshire Flatlands iTrader: (1)	Even though my insurance was new for old for first 12 months, I knew that my insurance would be due mid way through that year and I didn't want to be constrained. Check out prices too - some companies charge for the delayed first year.
	Appreciate 0 Quote