GolfGTIforum.co.uk
Model specific boards => Golf mk6 => Topic started by: mwad gti on 09 October 2012, 09:43
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Hi.
My next door neighbour's car got stolen last night even though we live in a nice area - this is the 2nd attempted theft/theft in the last 6 months and this has made me decide to take out gap insurance urgently just in case - it will be some piece of mind incase some scumbags target my car.
Who do you guys recommend ? My car is 1 month old - I did not take out the gap insurance with VW as is was very pricey.
Please help, I want to get this sorted asap
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Bad times mate! :angry:
Have a quick search though, it's been discussed quite a bit over the years. :wink:
http://www.golfgtiforum.co.uk/index.php?topic=151056.0
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Some have a time limit so be quick. I asked in 2010 as i waited along time. In the end i only found one company to take mine on. I know there is a few posts by me on here asking about GAP.
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How much was ya dealer quoting as I did it on both for £200 per car. It was on interest free over 10 months so a no brainer.
Bet EVO could do deal for ya?
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Thanks for the quick replies guys.
Just emailed the dealer I purchased from on 1st September.
I declined the gap insurance when buying the car but they are happy to still put it through.
Price is £399 but it is 3 years cover, return to invoice from my insurance payout.
Does that sound any good ? I know it should be respectable in the need of a claim being VW themselves.
Mark
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I thought insurers paid out "new for old" on cars up to a year old anyway???
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£400 is expensive. Do a google search cos you'll find it a lot cheaper than that!
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Most will give you back to invoice if you take it out within 180 days.
Ala was one of the cheapest when I searched and will also price match plus if you go via quidco you get 11% back. There is usually a discount code flying around the net for them. Not sure if the discount code can be used via Quidco though.
It should be not much over £100.
Also dubber is correct in that most insurance companies will pay out old for new in the first year, so with that in mind I know folk on here have bought their GAP insurance but it doesn't start until the car is a year old so check with your in insurance company.
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Go with www.ala.co.uk
Can't remember my price but was around £125 return to invoice and I got £25 cash back from Quidco so around £100.
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Thankyou for the replies guys and apologies for bringing up a topic that has been covered before :laugh:
I have 3 choices :
VW Gap cover @ £399 for 3 years now looking unlikley due to the cost as you have noted.
ALA : 4 years cover £ 209
Direct Gap : 4 years cover £ 185 or 5 years cover £ 209.
I am intending on keeping the car longterm ie 7 or 8 years so I want a policy of 4 years or longer as I can now see that this is possible for less than the VW gap cover :evil: I am torn between the 5 year with Direct Gap or the 4 year with ALA. Upon looking more at depth, ALA has UK based underwriters where D/Gap are Gibralter based. Alsothere is no Glass guide max payout clause with ALA but there is with D/Gap.
Decisions decisions :whistle:
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ALA looks like the best option then mate?
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Agree with Ginge - 4 years for £209 - £1 per week for piece of mind and they do have a good rep. :smiley:
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Thanks again for the replies.
My next question was about there reputations........ Buck answered it before I had the chance to ask.
Must admit I am leaning towards ALA.
Any other opinions on reputation/past experience etc would be appreciated.
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Have you asked them about delaying when it starts because your own insurance should cover you?
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I got mine from car2cover, can't remember how much but it was a lot less than the dealer and I was able to delay the start for one year as my own insurance should provide a replacement.
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Be careful about insurance companys new for old there is normally a clause that meens if the model changes they won't do it. If fallen foul to that one in the past so lost thousands when they would not do it and only paid market.
OT but I bet a lot of you don't know a lot of insurance companys now also insist on cheap China made panels and non genuine parts been used when a cars over a year old for repair. Even when done at vw dealer workshops (got to hear about that from vw dealer workshop the other week.) So watch the Terms and.conditions.
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Thanks for your help with this guys.
I will be going with ALA, 4 year cover. £209 - 5% so a happy bunny :wink:
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I initially had decided to take VW gap insurance when I ordered the car, for £399. After some investigation, I found I could buy it considerably cheaper. Hen I went to sign all the paperwork, I declined their gap insurance and the dealer aid he'd do it for £200 I went for that in the end.
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Thanks for the tip ... just sorted my GAP insurance out after reading this :smiley:
I went with ALA too ... Quidco was offering 11% cashback today as well :wink:
I saw that ALA also do tyre and alloy cover, but only if you take out GAP as well. The cover looks to be worth thinking about unless you have Diamond Cut alloys (like Monzas or my Audi Rotors :angry:).