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Gary_P
Member Since: 03 May 2016
Location: Kent
Posts: 1668
  
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These two links on Which are useful and what I used.
This ones explains types of Gap insurance:
https://www.which.co.uk/money/insurance/ca...headline_4
This link gives a number of comparison quotes from different companies. I tried quite a few to get the best 5 year quote. On a new car many insurers provide this as standard for the first year:
https://www.which.co.uk/money/insurance/ca...9ck3n3htyp Gary
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Discovery 4 HSE 2016MY
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 3rd Mar 2019 10:26 am |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10806
 
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I have just got a quotation for Return to Value Gap Cover Insurance from Warranty Direct for my Landmark. They value the car at £37,166 but the cover has a claim limit of £40,000.
The quoted premiums are:-
£185.34 - Cover for 2 years
£201.10 - Cover for 3 years
£258.50 - Cover for 4 years
I don't consider that too bad, but have yet to shop around.
I'm going to see if I can get a discount if I take out an extended warranty at the same time.
NJSS Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 3rd Mar 2019 11:09 am |
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Grunders
Member Since: 30 Apr 2011
Location: Manchester
Posts: 2329
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I use diectgap, used them for 5 years on both my car and motorcycle... good rates, never had to use them but when I was shopping about the feedback was good
https://www.directgap.co.uk If it ain't broke... Take it apart anyway, how else you gonna find out how it works
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| 3rd Mar 2019 1:41 pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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NJSS wrote:I have just got a quotation for Return to Value Gap Cover Insurance from Warranty Direct for my Landmark. They value the car at £37,166 but the cover has a claim limit of £40,000.
The quoted premiums are:-
£185.34 - Cover for 2 years
£201.10 - Cover for 3 years
£258.50 - Cover for 4 years
I don't consider that too bad, but have yet to shop around.
I'm going to see if I can get a discount if I take out an extended warranty at the same time.
NJSS
And to think if your car got stolen in 4 years time that £260 could reimburse you £20,000 or more 2014 D4 XS
2005 D3 SE - Gone
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| 3rd Mar 2019 1:58 pm |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10806
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Quote:And to think if your car got stolen in 4 years time that £260 could reimburse you £20,000 or more
So I am lead to believe, where's the catch?
They never asked if I had made a claim for vehicle theft, or written a car off, which I find strange.
The answer is no write offs, or other insurance claims, save for storm damage once.
One car stolen, in the mid-60's a 1275 cc Mini Cooper S; recovered after insurers had paid out.
NJSS Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 3rd Mar 2019 2:29 pm |
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JackNorris
Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879
 
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Thanks all,
So take ALA. they offer Invoice Plus or Vehicle Replacement Plus.
They only bonus i see for the vehicle replacement plus is that it covers you if the cost of the car rises?
Am i missing something? Thanks  MY2023 Discovery 5 R-Dynamic 3.0
MY2020 Discovery 5 Landmark 3.0 - SOLD
MY2005 Discovery 3 V8 4.4 HSE - SOLD
MY2019 Discovery 5 SE 3.0 - LR Replaced !
MY2005 Discovery 3 S 2.7 - SOLD
MY2016 Discovery 4 Graphite - SOLD
MY2015 Discovery 4 SE Tech - SOLD
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| 3rd Mar 2019 7:18 pm |
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Froogle-Yorkshireman
Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 302
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If the car is new and you get a really good deal with decent discounts etc. Then vehicle replacement is the way to go as it will payout the difference between your insurers settlement and the cost of actually replacing the vehicle in the future.
That was what I did with the Mrs as we got £7k discount off list price of her new car as we caught a dealer looking to shift tin at month end.
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| 3rd Mar 2019 7:41 pm |
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Gary_P
Member Since: 03 May 2016
Location: Kent
Posts: 1668
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My policy covers the greater of the price to invoice or replacement car whichever is greater. As it was explained to me, prices of cars rise and then you find you can't purchase a replacement for the original invoice amount. This is especially the case the more years the policy is in place. Gary
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Discovery 4 HSE 2016MY
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| 3rd Mar 2019 11:17 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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What do they pay you when the car is no longer made so there is no "replacement" car available and neither is there a replacement car value?
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| 3rd Mar 2019 11:28 pm |
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Gary_P
Member Since: 03 May 2016
Location: Kent
Posts: 1668
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That's covered in the policy.
" A vehicle of the same make, age, mileage and specification as the insured vehicle when you bought it. If the model is no longer available then the price of the nearest equivalent vehicle will be used" Gary
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Discovery 4 HSE 2016MY
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| 4th Mar 2019 12:04 am |
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JackNorris
Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879
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Got it down to ALA, Gapinsurance.co.uk or DirectGap
All within a similar price point. About 50% of what LR charge. Leaning towards ALA MY2023 Discovery 5 R-Dynamic 3.0
MY2020 Discovery 5 Landmark 3.0 - SOLD
MY2005 Discovery 3 V8 4.4 HSE - SOLD
MY2019 Discovery 5 SE 3.0 - LR Replaced !
MY2005 Discovery 3 S 2.7 - SOLD
MY2016 Discovery 4 Graphite - SOLD
MY2015 Discovery 4 SE Tech - SOLD
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| 5th Mar 2019 9:55 pm |
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