General: - GAP Insurance - Where from?

Razer · Jan 26th, 2007, 21:28

So as others have noted the dealer wants £500 for GAP insurance, can anyone recommend a reputable place to get some?

Thanks

Viper_7 · Jan 26th, 2007, 22:22

I'd avoid it...... if you can.

but if you have no choice - try here..

http://www.click4gap.co.uk/

most mainline insurance companies will provide GAP insurance as well though for not much more on your premium.

Tony g6hbq · Jan 26th, 2007, 23:30

Try this as well

http://www.surfandprotect.com/motor/...ce/default.asp

akash · Jan 27th, 2007, 01:04

500 quid for how many years?

Ive bought 3 volvos now and each had GAP on it... I paid hardly nothing for the first one (150 i think) and the second and third was about 350

500 is way too much

note that mine was GAP + Body protection... its some sort of coat on your car body which acts as a protector against the weather and what not.. followed by a bag of valeting goodies which normally costs a hell of a lot when bought on its own

Even for my vauxhall astra, i paid about 250 for 3 years

Razer · Jan 27th, 2007, 09:34

Quote:

Originally Posted by Viper_7

I'd avoid it...... if you can.

but if you have no choice - try here..

http://www.click4gap.co.uk/

most mainline insurance companies will provide GAP insurance as well though for not much more on your premium.

Why do you say avoid it out of curiosity? knowing what insurance company payouts are like (always short!) surely it makes sense?

Do you mean on your annual car insurance premium?

Viper_7 · Jan 27th, 2007, 10:57

sorry , I regretted posting that as soon as I wrote it...

Gap insurance covers the monies that are still owing to your finance company/bank that the payout for the actual car may not cover - due to interest rates etc.

What I was getting at as I know your totally aware of - hence why I regret posting it is to pay for the car!

Sorry, I'm just one of those peeps who hate buying anything on finance/loans I'd rather wait/ miss out than take a loan out etc. But of course we would all like to just pay for it all in one go, but sometimes can't due to unforeseen circumstances and of course not stretching oneself unduly financially.

or are you looking at the replacement Gap insurance?

Whenever I've had any experience with insurance regarding haggling over the payout - for my dad!
We always put the onus on them... £500 you say for my car - ok - you show me where you can buy a replacement vehicle of the same model/age/condition for £500 no... you can't right then! make me a more sensible offer . etc!
sure it's not a new for old policy - but it's still insuring the asset value of your vehicle - ie what you would get for it if you had put it on the market.

Vipes :-(

Gareths306 · Jan 27th, 2007, 11:48

how does the gap insurance actually work? we took it out for £300 when the mrs bought her ford streetka... they said it covers you for 3 months. i said i wanted to pay the car off within 6 months of purchase, she said if you take out the gap, if you car gets written off within 3 years you get the full amount back regardless whether any money is owed on the car or not.

b1g1an · Jan 27th, 2007, 17:07

If the car is written off within the insured period, the company you have the GAP insurance with will pay out the difference between what your normal car insurance company pay out and what you paid for the car. The odds of having a new car written off within that period are tiny but if it gives you peace of mind...

Jan 26th, 2007, 21:28	#1
Razer Senior Member Last Online: Sep 11th, 2022 17:51 Join Date: Dec 2005 Location: Surrey	GAP Insurance - Where from? So as others have noted the dealer wants £500 for GAP insurance, can anyone recommend a reputable place to get some? Thanks

Jan 26th, 2007, 22:22	#2
Viper_7 Premier Member Last Online: Aug 30th, 2013 17:33 Join Date: Apr 2006 Location: York	I'd avoid it...... if you can. but if you have no choice - try here.. http://www.click4gap.co.uk/ most mainline insurance companies will provide GAP insurance as well though for not much more on your premium. __________________ S60 D5 SE 2004 Titanium Grey Winter Pack Mods: Volvo Tax disc holder - increases power output by 5% Child Seat Rear and side Volvo fitted blinds. Tree Sap from May - July. Removed at least 46 cup holders for weight reduction. Last edited by Viper_7; Jan 26th, 2007 at 22:26.

Jan 26th, 2007, 23:30	#3
Tony g6hbq VOC Member Last Online: Mar 19th, 2024 19:42 Join Date: Nov 2006 Location: Stoke on Trent View Photos By: Tony g6hbq	Try this as well http://www.surfandprotect.com/motor/...ce/default.asp __________________ Volvo XC60 T8 R Design Pro White with grey leather. And lots of toys👍

Jan 27th, 2007, 01:04	#4
akash Member Last Online: Nov 21st, 2013 14:28 Join Date: Dec 2004 Location: London	500 quid for how many years? Ive bought 3 volvos now and each had GAP on it... I paid hardly nothing for the first one (150 i think) and the second and third was about 350 500 is way too much note that mine was GAP + Body protection... its some sort of coat on your car body which acts as a protector against the weather and what not.. followed by a bag of valeting goodies which normally costs a hell of a lot when bought on its own Even for my vauxhall astra, i paid about 250 for 3 years __________________ Achievement is largely the product of steadily raising one's levels of aspiration and expectation. (Jack Nicklaus)

Jan 27th, 2007, 10:57	#6
Viper_7 Premier Member Last Online: Aug 30th, 2013 17:33 Join Date: Apr 2006 Location: York	sorry , I regretted posting that as soon as I wrote it... Gap insurance covers the monies that are still owing to your finance company/bank that the payout for the actual car may not cover - due to interest rates etc. What I was getting at as I know your totally aware of - hence why I regret posting it is to pay for the car! Sorry, I'm just one of those peeps who hate buying anything on finance/loans I'd rather wait/ miss out than take a loan out etc. But of course we would all like to just pay for it all in one go, but sometimes can't due to unforeseen circumstances and of course not stretching oneself unduly financially. or are you looking at the replacement Gap insurance? Whenever I've had any experience with insurance regarding haggling over the payout - for my dad! We always put the onus on them... £500 you say for my car - ok - you show me where you can buy a replacement vehicle of the same model/age/condition for £500 no... you can't right then! make me a more sensible offer . etc! sure it's not a new for old policy - but it's still insuring the asset value of your vehicle - ie what you would get for it if you had put it on the market. Vipes :-( __________________ S60 D5 SE 2004 Titanium Grey Winter Pack Mods: Volvo Tax disc holder - increases power output by 5% Child Seat Rear and side Volvo fitted blinds. Tree Sap from May - July. Removed at least 46 cup holders for weight reduction. Last edited by Viper_7; Jan 27th, 2007 at 11:02.

Jan 27th, 2007, 11:48	#7
Gareths306 Premier Member Last Online: May 22nd, 2014 07:23 Join Date: Jan 2006 Location: its a town	how does the gap insurance actually work? we took it out for £300 when the mrs bought her ford streetka... they said it covers you for 3 months. i said i wanted to pay the car off within 6 months of purchase, she said if you take out the gap, if you car gets written off within 3 years you get the full amount back regardless whether any money is owed on the car or not.

Jan 27th, 2007, 17:07	#8
b1g1an Senior Member Last Online: Nov 16th, 2014 23:12 Join Date: Mar 2006 Location: Norwich	If the car is written off within the insured period, the company you have the GAP insurance with will pay out the difference between what your normal car insurance company pay out and what you paid for the car. The odds of having a new car written off within that period are tiny but if it gives you peace of mind...

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