Cosmetic and GAP insurance

Fitzchiv · Jul 24th, 2018, 21:43

D(4) day is rapidly approaching, I collect my new XC60 on Saturday morning and had put the aftercare product brochures to the back of my mind until this evening when, whilst touching up paint chips on my current car before selling it, my neighbour asked if anything had happened to my car recently - turns out someone has deliberately scratched theirs, and put nails in two tyres. All whilst parked 5 ft from mine.

It's made me re-consider cosmetic insurance definitely (the scratch, not the tyres). I've had the AutoTrust brochure from Volvo to consider in advance - but wondered if anyone had experience with another firms cover and could recommend?

Crockers · Jul 24th, 2018, 23:31

Never heard of them. Googled them and this jumped out.

https://www.google.co.uk/search?q=au...ru_q:AutoTrust

gmk666 · Jul 25th, 2018, 09:32

I got free Cosmetic and Alloy insurance with AutoTrust GAP cover. I claimed via their app within a few months of taking it out, after finding a scrape on the wheel arch in a car park. Their customer service is a bit slow, and it took a few weeks to get the work done, but I can't fault the quality of it. They use Dent Wizards.

One thing to bear in mind if you're worried about the car being keyed is that there's a limit to what these mobile guys can do (and what AutoTrust will protect you against). They won't repair scratches over a certain length for example. If you're really worried, it might be worth looking for an insurer who'll let you claim for vandalism without affecting your NCD?

karlak · Jul 25th, 2018, 13:19

Just check the policy details closely.

I had a policy "thrown in" on an Audi A4 Avant I had, which was damaged when a cowl from a chimney came loose and landed in the middle of the bonnet. House insurance didn't want to know and I didn't want to claim on the car insurance and lose no claims.

No bother I thought I can use the damage insurance. Tried to claim, but they refused as the size of the panel was "too large". Turns out they only repair corners of the car and areas where they can smart repair - they wouldn't cover roof, doors, wings, boot panel. Seemed a bit of a con to me and I would have been furious if I had paid for the policy.

Not saying they are all like that, just be sure to ask or check the policy wording before paying for the policy.

Fitzchiv · Jul 25th, 2018, 14:21

Quote:

Originally Posted by gmk666

I got free Cosmetic and Alloy insurance with AutoTrust GAP cover. I claimed via their app within a few months of taking it out, after finding a scrape on the wheel arch in a car park. Their customer service is a bit slow, and it took a few weeks to get the work done, but I can't fault the quality of it. They use Dent Wizards.

One thing to bear in mind if you're worried about the car being keyed is that there's a limit to what these mobile guys can do (and what AutoTrust will protect you against). They won't repair scratches over a certain length for example. If you're really worried, it might be worth looking for an insurer who'll let you claim for vandalism without affecting your NCD?

Cheers, good to know re: AutoTrust. I'm not specifically worried about it being keyed - it's not happened so far - but it brought home that actually if something did happen, accidental or otherwise, I'd be a bit gutted and this would be peace of mind. I've read the AutoTrust stuff and yeh they're quite specific in what they cover but I guess between than and a full policy my bases are covered for various types and sizes of damage.

What's interesting is the GAP brochure, also AutoTrust, I was given doesn't say anything about free Cosmetic and Alloy inclusive - I'll be pushing for that!

gmk666 · Jul 25th, 2018, 14:41

Quote:

Originally Posted by Fitzchiv

What's interesting is the GAP brochure, also AutoTrust, I was given doesn't say anything about free Cosmetic and Alloy inclusive - I'll be pushing for that!

Ha! I just wanted GAP and told the salesman I'd get it from him if he threw in the Cosmetic and Alloy cover. Don't ask; don't get.

DAN AT ADRIAN FLUX · Jul 26th, 2018, 15:57

Hi,
Just to let you know that we offer a product called Total Loss protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative.
Please feel free to take a look if you wish.
https://www.adrianflux.co.uk/extras/total-loss/
Regards,
Dan.

tails · Jul 26th, 2018, 16:21

are you also on the bmw gs,er site dan ? or one of your colleagues ?

DAN AT ADRIAN FLUX · Jul 26th, 2018, 16:45

Quote:

Originally Posted by tails

are you also on the bmw gs,er site dan ? or one of your colleagues ?

Which sites do you mean exactly? We feature on over 300 forums.

Regards
Dan

encroute · Jul 29th, 2018, 11:55

Dan, I did try calling, got the "Overflow Service" that wouldn't take a number - how pointless is that?

Website callback request won't allow me to select same day (Or to be precise, won't allow the time to change from 9:00, which is, obviously, invalid for today)!

Perhaps you can answer online - do you cover leased cars (i.e. not registered owner) as the Cosmetic insurance above does not?

AH: Just remembered it's Sunday... :-0
I'll try again tomorrow!

Jul 24th, 2018, 21:43	#1
Fitzchiv New Member Last Online: Mar 4th, 2019 14:29 Join Date: May 2018 Location: Nottingham	Cosmetic and GAP insurance D(4) day is rapidly approaching, I collect my new XC60 on Saturday morning and had put the aftercare product brochures to the back of my mind until this evening when, whilst touching up paint chips on my current car before selling it, my neighbour asked if anything had happened to my car recently - turns out someone has deliberately scratched theirs, and put nails in two tyres. All whilst parked 5 ft from mine. It's made me re-consider cosmetic insurance definitely (the scratch, not the tyres). I've had the AutoTrust brochure from Volvo to consider in advance - but wondered if anyone had experience with another firms cover and could recommend?

Jul 24th, 2018, 23:31	#2
Crockers Premier Member Last Online: Feb 22nd, 2024 06:49 Join Date: Jan 2012 Location: North Wilts	Never heard of them. Googled them and this jumped out. https://www.google.co.uk/search?q=au...ru_q:AutoTrust __________________ XC60 Inscription Pro T5. Mussel Blue with blonde. Xenium, intellisafe pro, towbar, 4 zone , polestar, body styling pack. Apple car play.Tinted windows NOW SOLD

Jul 25th, 2018, 09:32	#3
gmk666 Member Last Online: Jul 1st, 2023 16:46 Join Date: Jun 2017 Location: London	I got free Cosmetic and Alloy insurance with AutoTrust GAP cover. I claimed via their app within a few months of taking it out, after finding a scrape on the wheel arch in a car park. Their customer service is a bit slow, and it took a few weeks to get the work done, but I can't fault the quality of it. They use Dent Wizards. One thing to bear in mind if you're worried about the car being keyed is that there's a limit to what these mobile guys can do (and what AutoTrust will protect you against). They won't repair scratches over a certain length for example. If you're really worried, it might be worth looking for an insurer who'll let you claim for vandalism without affecting your NCD? __________________ 2020 (MY20) XC90 B5 Petrol, R-Design, Thunder Grey

Jul 25th, 2018, 13:19	#4
karlak Junior Member Last Online: Sep 14th, 2023 08:10 Join Date: Jul 2018 Location: bedfordshire	Just check the policy details closely. I had a policy "thrown in" on an Audi A4 Avant I had, which was damaged when a cowl from a chimney came loose and landed in the middle of the bonnet. House insurance didn't want to know and I didn't want to claim on the car insurance and lose no claims. No bother I thought I can use the damage insurance. Tried to claim, but they refused as the size of the panel was "too large". Turns out they only repair corners of the car and areas where they can smart repair - they wouldn't cover roof, doors, wings, boot panel. Seemed a bit of a con to me and I would have been furious if I had paid for the policy. Not saying they are all like that, just be sure to ask or check the policy wording before paying for the policy. __________________ now gone - XC90 (my19). R-Design, Winter pack, Savile Grey, Retractable tow bar. G Reg 240 GL Estate automatic.

Jul 26th, 2018, 16:21	#8
tails Member Last Online: Jan 4th, 2020 23:09 Join Date: Jul 2018 Location: birmingham	re dan are you also on the bmw gs,er site dan ? or one of your colleagues ?

Jul 26th, 2018, 15:57	#7
DAN AT ADRIAN FLUX Trader Last Online: Apr 26th, 2024 19:49 Join Date: Aug 2012 Location: King's Lynn	Hi, Just to let you know that we offer a product called Total Loss protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative. Please feel free to take a look if you wish. https://www.adrianflux.co.uk/extras/total-loss/ Regards, Dan.

Jul 29th, 2018, 11:55	#10
encroute Member Last Online: Apr 15th, 2024 15:01 Join Date: Oct 2012 Location: Marseillan, SW France	Dan, I did try calling, got the "Overflow Service" that wouldn't take a number - how pointless is that? Website callback request won't allow me to select same day (Or to be precise, won't allow the time to change from 9:00, which is, obviously, invalid for today)! Perhaps you can answer online - do you cover leased cars (i.e. not registered owner) as the Cosmetic insurance above does not? AH: Just remembered it's Sunday... :-0 I'll try again tomorrow! __________________ Now looking for a MY2022/3 XC40 in SW France! MY19 XC60 T5 Momentum Intellisafe Pro, Xenium, Smartphone, Keyless, 4 zone, Tempa - Pine Grey w/ Charcoal leather. Former V50 Owner Last edited by encroute; Jul 29th, 2018 at 14:09. Reason: Update

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