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Gap or total loss insurance
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MeltonGuy
 


Member Since: 22 May 2014
Location: Leicester/Oxfordshire
Posts: 21

England 
Gap or total loss insurance

Hi All,

Looking at upgrading my car to a disco 4. Would be looking to take out gap insurance from the dealer, but a friend has suggested getting a total loss quote from a specialist insurance agency (Adrian flux etc) may be better?

Wondering if anyone has any experience of this at all? Which would be better?  
Post #151518813th Aug 2015 12:37 pm
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Kilovolt
 


Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 1064

United Kingdom 2013 Discovery 4 3.0 SDV6 Commercial XS Auto Baltic BlueDiscovery 4

A lot of standard insurance policies will exchange a written off vehicle like-for-like brand new in the first 12 months of its existence.

Which kinda renders the GAP insurance pointless.

You would need to check your insurer's policy statement here of course. "Track day running - Don't put your foot back on the accelerator until your absolutely sure you don't have to take it off again"

Current Ride: D4 XS Commercial Baltic Blue SDV6 fully loaded with heated everything Smile
Track Days: BMW E36 M3 Evolution MY 1996 (3.2 Litre 377 BHP sat in 1,250 Kgs of car, with a pro safety cage and some serious braking power) Smile  
Post #151519213th Aug 2015 12:51 pm
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Hairy Dan
 


Member Since: 19 Jan 2011
Location: Co. Durham
Posts: 12319

United Kingdom 2016 Discovery 4 3.0 TDV6 Landmark LE Auto Santorini BlackDiscovery 4

There was a thread about this very subject yesterday

http://www.disco4.com/forum/topic133211.html

Thumbs Up Cheers Ian
--------------------
Club N.E.R.D.S
Kielder 4x4 Safari
Discoless  
Post #151519313th Aug 2015 12:51 pm
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maplecottage
 


Member Since: 01 Feb 2011
Location: Norfolk
Posts: 3171

United Kingdom 2006 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

I had GAP on a previous new car - it was a 36 month policy. Car was hit front offside corner and written off @ 2 years 11 months old.

The GAP policy paid out in full, no arguments and I ended up with the total original payment refunded (£23k) ................and that's how I got my D3

Very Happy Very Happy

Thumbs Up  
Post #151522013th Aug 2015 2:09 pm
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