Buying on pcp / sevice plan cost?

[mcmaddy]

Depends who you're insured with as not all do this

If you don't have 'new for old' in a policy, then the policy is going to be very limited and a false economy. Pretty much any reputable insurance company/broker will offer 'new for old' on a new car, which lasts for 12-24mths.

GAP on a brand new car is a total waste of money.

OP just check your policy, I would wager it's already there, that is unless you insure with a specialist on a restricted terms policy.

Most Gap policies don't kick in until year two anyway and I'm sure when I bought my RTI Gap policy they asked me who I was insured with. I think for the small amount of money it's well worth a policy as long as you've checked your car insurance provider first that is.

[kmpowell]

Most Gap policies don't kick in until year two anyway

Then why buy it now? It's certainly no cheaper to buy it now then when the car is 12mths old.

I think the one thing we all agree on though is dealer GAP is a complete rip-off, a good GAP policy can be had for £150-£250.

[mcmaddy]

I did get Gap free from the dealer when I bought my Gtd in 2013 so it was worth it then. If you buy your policy when the car is new it's cheaper than buying it when it's a year old. 👍

[ChrisG84]

I just paid £149 for the first two services when I picked mine up just before Christmas. They said it should have been £199 though.