GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: Brenbo on 17 September 2016, 07:29
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I will be picking up my new Golf R on Wednesday 22/09/16 all going well. I do not usually get GAP Insurance as I have always felt it was an extra unnecessary expense the Dealer tries to get out of you. However after talking to the dealer about GAP insurance more indepth on Friday when I went in to pay for my car. I am now undecided as to whether it may be a good thing to have? So before I go in on Wednesday to pick up the car I thought I would ask you guys whether you have GAP insurance or not, and why you decided to have GAP Insurance or not? :undecided:
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If you are getting it free with your car then take it but if not you can get better deals from the likes of Ala and gap123 (I think that's the name).
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So you would suggest to get GAP Insurance, but just shop around for the best deal?
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Don't buy from the dealer as their commission mark-up that's hidden in the price they quote you will make it much more expensive than you could get if you shop around.
Also, make sure the cover is 'vehicle replacement plus' and not 'return to invoice'.
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Do not buy it from the dealer!!! - it can be as much as five times the cost of going to ALA or Gap 123.
Just get a quote on line for 'new car replacement' - will not be much more than a hundred quid....
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What's the likelihood of a £30k variant of a car that starts at £18k being written off in an accident you can walk away from? Not very high. What's the chances of it being stolen and not recovered? Again not very high unless you like in and around Coventrt/Birmingham.
I got it for the £114 it ended up costing on the R.
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I would not be without it on a pricey car, NEVER buy fro the dealer as above their commission put the price up massively.
I bought mine for my R from GapInsurance.co.uk for £128.38p for 3 years £20k cover with a deferred start for a year as my ins co gives full car replacement on new cars for the first year (this was through a Forum sponsor on the Briskoda Forum so includes a 5% discount). So I effectively have 4 years cover for the full cost of the car. No dealer will/can offer to match that.
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ALA offer a price match where they'll match a competitors price and then undercut it by 20% of the price difference. Worth also checking for discount codes for GAP cover. VP10 was (and may still be) a valid code for 10% discount off the normal ALA price.
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Worth noting that some insurance companies will pay out fully if a car is written off in the first 12 months on a normal policy.
I'm waiting until my first year is up before getting gap insurance as my current policy covers write offs for the time being. You get 365 days from delivery of a new car to take out gap insurance with most companies so you don't necessarily need to rush into it.
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In the scheme of things the small cost is worth it for peace of mind.
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I've not taken it out just yet but I'm seriously thinking of doing it before my car is 12 months old.
I've been quoted £140ish this morning with ALA which I think is expensive.
Took it out with the dealer :embarrassed: on my A3 and obviously never needed it :whistle:
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Worth noting that some insurance companies will pay out fully if a car is written off in the first 12 months on a normal policy.
I'm waiting until my first year is up before getting gap insurance as my current policy covers write offs for the time being. You get 365 days from delivery of a new car to take out gap insurance with most companies so you don't necessarily need to rush into it.
Might not be worth the paper it's written on...
Most of these policies are replacement within 12 months old (not a GAP type reimbursement of monetary difference), dependent upon the replacement car being obtainable within 3 months.
Considering my R took 8.5 months to get here, i'd have never gotten a replacement vehicle out of my insurance company. Maybe VW are getting them out a lot quicker, but 3 months for a replacement performance Golf ordered from scratch is really pushing it.
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I've not taken it out just yet but I'm seriously thinking of doing it before my car is 12 months old.
I've been quoted £140ish this morning with ALA which I think is expensive.
Took it out with the dealer :embarrassed: on my A3 and obviously never needed it :whistle:
£140 will be a bargain when your insurance leaves you a few grand short of being able to buy a replacement car to the same standard as what you have just lost :shocked:
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I've had GAP insurance on every one of my GTI's and have it on the R. Don't go for the dealer GAP which is massively overpriced. Shop around. I've got mine with ALA went for the Vehicle Replacement Policy which gets you up to what the actual list price of the vehicle is, as opposed to Return to Invoice which gets you just what you actually paid for it. Could make a difference if you got a big broker/dealer discount off list price as the same might not be obtainable next time round.
Particularly worth doing on the R as it is a car sought after by thieves.
Lots of ALA discount codes knocking around but try PISTON12 which is the highest I've seen.
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I've not taken it out just yet but I'm seriously thinking of doing it before my car is 12 months old.
I've been quoted £140ish this morning with ALA which I think is expensive.
Took it out with the dealer :embarrassed: on my A3 and obviously never needed it :whistle:
£140 is a good price for GAP, and peace of mind.
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Worth noting that some insurance companies will pay out fully if a car is written off in the first 12 months on a normal policy.
Be very careful placing reliance on that. Many companies will (if you actually read their small print in the policy) actually only replace a car with a new one in the first year 'if one is readily available'. With a car such as a performance Golf that has a long lead in time for a factory order its not very likely they will be able to replace it from stock, particularly if you have optional extras on it. At that point they will then default to market value payout - they will not pay out the original cost of the car.
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I've not taken it out just yet but I'm seriously thinking of doing it before my car is 12 months old.
I've been quoted £140ish this morning with ALA which I think is expensive.
Took it out with the dealer :embarrassed: on my A3 and obviously never needed it :whistle:
£140 will be a bargain when your insurance leaves you a few grand short of being able to buy a replacement car to the same standard as what you have just lost :shocked:
^+1. In the overall scheme of things, a small price to pay. Kailmon, if you took out GAP cover with the Audi dealer on your previous car, with the high prices quoted by dealers under manufacturer-based insurance arrangements, I'd wager that you paid quite a bit more than £140 for GAP cover on your A3.
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Many thanks for the heads up and info on GAP insurance. I have just taken out a policy with ALA GAP Insurance. I may have paid a bit more than most of you, but I felt the amount I paid was very little compared to the potential benefit of having the insurance.
I took out 4 years Vehicle Replacement Plus for £299 using the promotion code provided by "Booth11" on this thread. The code worked a treat and made a saving of over £40+. The policy is also superior to the dealer GAP Insurance as it was practically the same policy except for 4 years not 3 years as on the dealers GAP Insurance. Also the cost of the Dealers GAP Insurance was £650 originally, but he offered to knock £100 off as a special offer. So I have still made a saving of a couple hundred pounds.
So I now have 4 years of Vehicle Replacement Plus, GAP Insurance. Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
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Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
Barbecue round yours later? :whistle:
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Yeah about that... My wife's a vegetarian and hates the smell of meat cooking on a barbeque. So may have to pass on that idea! :whistle:
Plus may go surfing later today as weather and surf is looking OK. So will get sand all in my current car before change over to new one. :grin:
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Many thanks for the heads up and info on GAP insurance. I have just taken out a policy with ALA GAP Insurance. I may have paid a bit more than most of you, but I felt the amount I paid was very little compared to the potential benefit of having the insurance.
I took out 4 years Vehicle Replacement Plus for £299 using the promotion code provided by "Booth11" on this thread. The code worked a treat and made a saving of over £40+. The policy is also superior to the dealer GAP Insurance as it was practically the same policy except for 4 years not 3 years as on the dealers GAP Insurance. Also the cost of the Dealers GAP Insurance was £650 originally, but he offered to knock £100 off as a special offer. So I have still made a saving of a couple hundred pounds.
So I now have 4 years of Vehicle Replacement Plus, GAP Insurance. Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
Glad you got it sorted. Well worth it to know you are fully covered should the worst happen. Always good to get a bit of discount. I paid £199 for my 3 year RVP policy.
Enjoy the surf. :cool:
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Many thanks for the heads up and info on GAP insurance. I have just taken out a policy with ALA GAP Insurance. I may have paid a bit more than most of you, but I felt the amount I paid was very little compared to the potential benefit of having the insurance.
I took out 4 years Vehicle Replacement Plus for £299 using the promotion code provided by "Booth11" on this thread. The code worked a treat and made a saving of over £40+. The policy is also superior to the dealer GAP Insurance as it was practically the same policy except for 4 years not 3 years as on the dealers GAP Insurance. Also the cost of the Dealers GAP Insurance was £650 originally, but he offered to knock £100 off as a special offer. So I have still made a saving of a couple hundred pounds.
So I now have 4 years of Vehicle Replacement Plus, GAP Insurance. Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
Glad you got it sorted. Well worth it to know you are fully covered should the worst happen. Always good to get a bit of discount. I paid £199 for my 3 year RVP policy.
Enjoy the surf. :cool:
Will do. Roll on Wednesday now for handover of my new car.
@Booth 11: Hows the repair on your Golf R since that ignorant van driver decided to steer in to your car on the roundabout?
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Many thanks for the heads up and info on GAP insurance. I have just taken out a policy with ALA GAP Insurance. I may have paid a bit more than most of you, but I felt the amount I paid was very little compared to the potential benefit of having the insurance.
I took out 4 years Vehicle Replacement Plus for £299 using the promotion code provided by "Booth11" on this thread. The code worked a treat and made a saving of over £40+. The policy is also superior to the dealer GAP Insurance as it was practically the same policy except for 4 years not 3 years as on the dealers GAP Insurance. Also the cost of the Dealers GAP Insurance was £650 originally, but he offered to knock £100 off as a special offer. So I have still made a saving of a couple hundred pounds.
So I now have 4 years of Vehicle Replacement Plus, GAP Insurance. Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
Glad you got it sorted. Well worth it to know you are fully covered should the worst happen. Always good to get a bit of discount. I paid £199 for my 3 year RVP policy.
Enjoy the surf. :cool:
Will do. Roll on Wednesday now for handover of my new car.
@Booth 11: Hows the repair on your Golf R since that ignorant van driver decided to steer in to your car on the roundabout?
Bet you can't wait till Weds. Hope all goes smoothly at collection.
I got mine back on Friday and it's all sorted now. See here http://www.golfgtiforum.co.uk/index.php?topic=259354.msg2547875#msg2547875
Despite it going through insurance still got a hefty bill on Fri, what with the excess and paying out for a new rear tyre. One tyre was damaged in the crash and I asked the insurer if they would cover the cost of a new tyre for the other side as not apply about having one tyre half way through it's life and the other brand new. The handbook also states as a 'serious warning' that tyres on the same axle should be changed in pairs. I gave this info and they contacted VW who wussed out and said it was just suggestive guidance! This despite the warning stating risk of serious injury or death if you ignore the warning. Ah well.
Now got the insurance renewal, roadside assistance and road tax to pay this week, so September is an expensive month!!! Also got 1st Service due but fortunately got Service Plan for that.
I'm having front and rear dashcams installed this coming Friday. Just need to find time to give it a good wash too. God to have it back.
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For me, this year 21/09/16 is the new date for xmas. Just 3 more sleeps to go :smiley:
@Booth: Good to see your car is back as new again
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For me, this year 21/09/16 is the new date for xmas. Just 3 more sleeps to go :smiley:
Lol. Post some pics up of when you get time. What spec have you gone for?
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For me, this year 21/09/16 is the new date for xmas. Just 3 more sleeps to go :smiley:
Lol. Post some pics up of when you get time. What spec have you gone for?
I went for the following spec
Golf R 5 Door
Oryx White
19" Pretoria Alloys
DCC
Dynaudio
Nav Pro
Climate Windscreen
Advanced Telephone Prep
Car Net App Connect
Carbon Mirror Caps
Winter Pack
Rear View Camera
Rear Side Airbags
5 Year Warranty
Service Plan...
... and a Boot Liner.....
Oh and now since friday i have knocked off another couple hundred quid and got premium mats thrown in as well :wink:
Will post pics asap
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For me, this year 21/09/16 is the new date for xmas. Just 3 more sleeps to go :smiley:
Lol. Post some pics up of when you get time. What spec have you gone for?
I went for the following spec
Golf R 5 Door
Oryx White
19" Pretoria Alloys
DCC
Dynaudio
Nav Pro
Climate Windscreen
Advanced Telephone Prep
Car Net App Connect
Carbon Mirror Caps
Winter Pack
Rear View Camera
Rear Side Airbags
5 Year Warranty
Service Plan...
... and a Boot Liner.....
Oh and now since friday i have knocked off another couple hundred quid and got premium mats thrown in as well :wink:
Will post pics asap
Wow! It really will be Christmas in 3 sleeps Brenbo. What a fab spec! Nice. :cool: Manual or DSG?
Start budgeting for a pedal box of you haven't already. :wink:
Are you on the 'other' forum? There's a good thread about non performance enhancing mods which you might want to read....or might not, lol.
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It will be a manual Golf R. I live near lots of B Roads and nearest city is 25 miles away which we rarely go near. So i thought manual would suit the local roads better. However i was tempted to get DSG for a while. Will definitely look in to posting pics when i get the car.
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Oryx white and Prets is a nice combination Brenbo.
Look forward to seeing the pics.
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Wow thanks for all the info about GAP, never heard of it before!!
Booth11 re your cams.
Are you having them installed by the dealer or a private firm?
Reason for asking;
I asked my VW dealer to wire in my dash cam and they refused point blank.
Did it myself using the dash plug-in power point......BUT....
With my new Golf coming in a month or so time I will want my present dash cam wired/fitted permanently.
So any advice you could provide would be most helpful, esp. the specs of your new cams.
Thanks.
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Going back to GAP insurance, can you get it at any time?
I meant to get it for my wifes car but when I had a look at some of the GAP sites the first question they ask is, did I get my car less than 6 months ago (roughly)?
Does it just make it dearer if your car is over 6 months old? I can't get my head round it.
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[quote author=Booth11 I'm having front and rear dashcams installed this coming Friday.
Wow thanks for all the info about GAP, never heard of it before!!
Booth11 re your cams.
Are you having them installed by the dealer or a private firm?
Reason for asking;
I asked my VW dealer to wire in my dash cam and they refused point blank.
Did it myself using the dash plug-in power point......BUT....
With my new Golf coming in a month or so time I will want my present dash cam wired/fitted permanently.
So any advice you could provide would be most helpful, esp. the specs of your new cams.
Thanks.
The are being installed by the dashcam company - Blackvue, or rather one of their installers. They do offer an installation service independent of buying the cams.
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Yet again many thanks to all of you who have taken part on this thread, your advise has saved me hundreds of pounds. :grin:
Ah, the ideal candidate.
http://www.golfgtiforum.co.uk/index.php?topic=111467.0
:)
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Going back to GAP insurance, can you get it at any time?
I meant to get it for my wifes car but when I had a look at some of the GAP sites the first question they ask is, did I get my car less than 6 months ago (roughly)?
Does it just make it dearer if your car is over 6 months old? I can't get my head round it.
ALA get a which magazine thumbs up. Why not chat to them direct. I do not think they charge any more after 6 months than from new.
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Been seeking guotes for insuring my new 150ps GT Golf.
SAGA quoted under £200 for a fully comp. policy* which includes;
A new replacement car in the first year if mine is written off :smiley:
A new replacement car in the second year providing I do not exceed 12,000 miles from new :smiley: (I do around 4k/yr.)
So I can forget GAP until I come to insure for the third year, brilliant!!!!
*(+40years clean&accident free, professional&personal in 4x4 bricks to road rockets).
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what do they mean by 'replacement car' Mike? Are they going to order you an exact replacement from the factory and provide a courtesy car for three/four months in the meantime? It may well say in small print 'provided one is readily available' and with these cars they rarely are. If thats the case they will revert to 'market value' payout so its worth checking this very carefully with the insurer before you decline GAP.
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Been seeking guotes for insuring my new 150ps GT Golf.
SAGA quoted under £200 for a fully comp. policy* which includes;
A new replacement car in the first year if mine is written off :smiley:
A new replacement car in the second year providing I do not exceed 12,000 miles from new :smiley: (I do around 4k/yr.)
So I can forget GAP until I come to insure for the third year, brilliant!!!!
Mike,
You've said that you'll get a replacement car under the Saga motor policy in year 1 if yours is written off. What about if your car is stolen and not recovered? In these circumstances, do Saga consider a car to be written off?
It might be worth checking with Saga their stance on claims settlement if your car is stolen in year 1, (and in year 2), and whether their definition of 'write off' / 'written off' applies to stolen, unrecovered vehicles, as well as vehicles that are uneconomic to repair.
If they don't pay for a new replacement vehicle in the event of unrecovered theft, it would be worth reconsidering delaying purchase of GAP cover until year 3.
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Thanks Both,
Before you both posted/replied I sniffed a rat so I emailed SAGA for a full and detailed explanation of their policy statement.
SAGA replied saying would be with me within 48hours.
The time is up and I still have not received an explanation.
My sniff is quickly turning to a strong stink.
Watch this space.
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im considering GAP for my new Clubsport, its about £300 for the cover from my dealer
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im considering GAP for my new Clubsport, its about £300 for the cover from my dealer
Get a quote from ALA and then get 1234 to beat it - You'll be at around £120 for same/better cover than the dealer provides.
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im considering GAP for my new Clubsport, its about £300 for the cover from my dealer
Going to finalise some bits and bobs on my Clubsport tomorrow.
Did you go for the dealer GAP Aidey on yours?
Dave
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I have not got it sorted yet, ive had the paperwork in the post but have not finalised anything,
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Just got a ALA quote to compare. £166 or so back to Invoice.
Dave
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Damn thats a lot cheaper