Gap Insurance

[Silverblade]

I realise this is probably off topic, but probably most new Mk VI owners would have been offered Gap insurance, hence posting here - I was today at £400.

I gather that in the event of a write off or total loss - theft that the insurance coughs up the price of a replacement brand new vehicle, for 4 years. What do you guys do - have you taken it or just considered it another £400 to find ? I would be interested to hear some thoughts. For my point of view I consider that if the car is totalled within the 1st year, then I thought the main insurance company normally provided a brand new car anyway, so this is really going forward into years 2, 3 and 4 of ownership.

[ScottA]

I realise this is probably off topic, but probably most new Mk VI owners would have been offered Gap insurance, hence posting here - I was today at £400.

I gather that in the event of a write off or total loss - theft that the insurance coughs up the price of a replacement brand new vehicle, for 4 years. What do you guys do - have you taken it or just considered it another £400 to find ? I would be interested to hear some thoughts. For my point of view I consider that if the car is totalled within the 1st year, then I thought the main insurance company normally provided a brand new car anyway, so this is really going forward into years 2, 3 and 4 of ownership.

I've taken it but I've found it much cheaper by Googling 

[Ginge 35Edition]

My dealer did it for £250 on both of ours. They did it on interest free over twelve months. It's a no brainer for me cos if you've had loads of extras on ya car the insurance wouldn't normally cover this.

I think you can get GAP from loads of places, perhaps EVO could do a deal for you?

[wigit]

my dealer always throws it in for me for free as part of the deal

[Taff_09]

I went with Car2Cover last yr, very good policy for £178, 3yr, 15k return to invoice, can be cheaper depending on your requirements but i found this covered everything

i'd say its a no brainer given the trouble some members have had !

plenty of threads on here which go into much more detail

its piece of mind should the worst happen

[Taff_09]

also your insurer may not get you a new car as it depends on the insurer! Admiral (my insurer) don't do this.

[mike.]

I got mine from HERE. After cashback from Quidco worked out at £99 for three years cover, return to invoice.

[ScottA]

my dealer always throws it in for me for free as part of the deal

It won't be free though, nothing is ever free, as you say it's part of the deal but that means there's bigger discounts to be had off the car if they're willing to include gap insurance (IMO)

[wigit]

my dealer always throws it in for me for free as part of the deal

It won't be free though, nothing is ever free, as you say it's part of the deal but that means there's bigger discounts to be had off the car if they're willing to include gap insurance (IMO)

correct its easier for dealers to factor in accessories and GAP dealers as part of the overall discount, as to VW it looks like they are not discounting the car so much, i ordered my rocco as soon as orders books opened so discounts were small so dealer did that

[ScottA]

my dealer always throws it in for me for free as part of the deal

It won't be free though, nothing is ever free, as you say it's part of the deal but that means there's bigger discounts to be had off the car if they're willing to include gap insurance (IMO)

correct its easier for dealers to factor in accessories and GAP dealers as part of the overall discount, as to VW it looks like they are not discounting the car so much, i ordered my rocco as soon as orders books opened so discounts were small so dealer did that

Ahh fair enough