JackNorris
Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879
  
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Hi all
Has anyone purchased GAP through others that are not the dealer?
I am aware a lot of these types of things are not worth the money they are written on until they actually pay out.
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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 2nd Mar 2019 2:09 pm |
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Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
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Yes I have it on my D5 and the wifes MX5
Cant tell you how good they are but they had a good write up., hope never to use them but they were alot cheaper than delaer recomendations. MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club
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| 2nd Mar 2019 2:16 pm |
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JackNorris
Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879
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Who did you use Russell? 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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| 2nd Mar 2019 2:36 pm |
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astonbuilder
Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8134
  
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I actually hassled my daughter to get GAP insurance as she paid way over the odds for a 2nd hand car from a trader before Christmas.
Good job too as a hit-and-run wrote it off. Insurance valued it at around £1000 less than she paid but the GAP insurance paid the difference with no quibbles at all.
Was through Arnold Clarke and £8.99/month
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| 2nd Mar 2019 4:19 pm |
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DrRobH
Member Since: 10 Oct 2015
Location: Hampshire
Posts: 927
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www.ala.co.uk 
Superb customer service. Used them a lot but not claimed...
Dealers charge way too much for gap insurance...
Don’t get me started on paint protection, tyre insurance etc etc Robbing  Visitor from fullfatrr.com
RR Vogue SE 2011 4.4 TDV8
1974 Lightweight
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| 2nd Mar 2019 4:56 pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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If you use the d3/4 Facebook group, someone on there had their 4 year old HSE LUX stolen before Christmas and their GAP insurance has just paid out to original invoice cost  2014 D4 XS
2005 D3 SE - Gone
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| 2nd Mar 2019 5:25 pm |
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Peakwayfarer
Member Since: 25 Apr 2016
Location: Uk
Posts: 434
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Worth trying https://www.gapinsurance.co.uk, been about for a good few years, and used them on seven cars over the years, appear to have good reviews and a good reputation, but fortunately not had to use them, but they have always been very helpful and fair when I have changed cars etc
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| 2nd Mar 2019 6:56 pm |
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JackNorris
Member Since: 06 Jul 2012
Location: Beds/Bucks Border
Posts: 1879
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Cheers chaps - shall browse those links. Good to hear people have used them too and they have paid out. 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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| 2nd Mar 2019 7:18 pm |
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Froogle-Yorkshireman
Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 302
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I did a lot of research and settled on ALA.
I actually spoke to the Ops Director and he was very helpful.
I was lucky to find a 25% discount code at the time - so have a look around.
They are FCA regulated.
I noticed that if you go via TopCashback they are paying out 15.75% cash back at the moment.
My circumstances were, that I had NFU insurance for the first 2 years who replace the car as new in the event of total loss for the first 2 years.
Six months after that 2 years cover came to an end I took out an AlA Agreed Valuation Gap policy at £40k for 5 years cover.
So basically my logic is that in the event of a total loss I have secured my £40k capital for a total of 7 and 1/2 years.
Which for me is peace of mind.
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| 2nd Mar 2019 10:06 pm |
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Froogle-Yorkshireman
Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 302
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Just remembered where I got the discount code from and it is still LIVE!!!
Go to money saving expert website and search for GAP insurance.
Use the special link on their site to ALS and code MSE25 to get 25% discount.
Fill your boots
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| 2nd Mar 2019 10:09 pm |
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craigc
Member Since: 26 Feb 2010
Location: swansea
Posts: 143
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Swambo picking Up new car on Monday, dealer wanted £349 for Gap ,also looked on Moneysaving.com with 25% saving £94 👍
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| 2nd Mar 2019 10:30 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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GAP insurance shouldn't be compared on price alone. There are various forms such as Back to Invoice, PCP, Finance, Top Up, Back to Invoice with Increase Cost of Replacement Car or Purchase price and Finance Combined.
Purchase the correct product for your needs and in the event of a total loss it can be invaluable.
But beware that if you don't select the correct policy you could be very disappointed when Insurers refuse to pay the claim
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| 2nd Mar 2019 10:46 pm |
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Peakwayfarer
Member Since: 25 Apr 2016
Location: Uk
Posts: 434
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Totally agree, it’s not just price but the level of cover that’s most important.
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| 3rd Mar 2019 7:29 am |
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Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
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JackNorris wrote:Who did you use Russell? Thanks
Jack will try to remeber to check when I get home late this evening. MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club
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| 3rd Mar 2019 7:51 am |
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ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
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craigc wrote:Swambo picking Up new car on Monday, dealer wanted £349 for Gap ,also looked on Moneysaving.com with 25% saving £94 👍
Now is this not a new money making scheme from insurers !!!!!!
Wife picked her new (17 plate) car up on Thurs.
The insurance had a value of her car at £2 lower than what she paid and they wanted her to take Gap insurance out on that value.
Now when looking for her vehicle I had a good look around all the dealers (on web) for the same model and spec of car and reckon she got a good deal at the price she paid ..... yet insurers valued it at 2k less!!
I'm sure this is a new scam in the brewing.  ...... always on the road less travelled 🚧
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| 3rd Mar 2019 8:48 am |
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