Another Stolen Mk7 GTD Pure white Cheshire

[dipstick]

Right, that's really poor.
I did a bit of research last night and found out that VWs own Solutions finance is a type of Hire Purchase rather than lease and so insurance payout works in the way I described (at least for Admiral).

[dereks]

I sometimes wonder why people would want to steal a GTD.To go to all that bother for a diesel Golf.

I think that too, quite a few R's taken around here including a dealers demo never heard of a gti taken yet maybe because they are pretty rare.

[andrewparker]

I sometimes wonder why people would want to steal a GTD.To go to all that bother for a diesel Golf.

What has the fact it is a diesel Golf got to do with it? Car thieves look for opportunity, and more often than not a car that is worth a lot, which the GTD is (comparative to a lot of other cars on the road).

I know someone who had theirs stolen and it was found a week later stripped bare. There are many outlets for a stolen car, and I'd guess we're entering a time now where joy riding is the least of our worries.

[Mr_Orange]

Cars got harder to steal, but house security didn't follow suit.
It remains fairly easy to throw cars onto cargo ships for hungry conscience free foreign buyers.
Car parts got expensive, while eBay and gumtree remain brilliant outlets for stolen stuff.

[andrewparker]

In the last week I've heard of four cars that were stolen locally, and they were all recovered shortly after because they had a tracker installed. One was my friends M235i, tracked using the BMW Assist system in the car.

When my R arrives I'll be having a VHF tracker put on it straightaway.

[Mark V GTD]

I did a bit of research last night and found out that VWs own Solutions finance is a type of Hire Purchase rather than lease and so insurance payout works in the way I described (at least for Admiral).

Yes - Solutions is a PCP scheme (Personal Contract Purchase) and the car is registered in your name so GAP will work in the conventional way depending on what type of policy you purchased and selected claims limit.

[mcmaddy]

You need gap with return to invoice to get a full payout for an exact car bought.

[Mark V GTD]

No - you really need 'Replacement Vehicle' GAP for that as 'Return to Invoice' will only get you back to the cost you paid for the your car in the first place. If the list price of the car has since increased (mine has twice in the last 20 months) and the current discount is not quite so good you will have to cover that yourself with RTI.

All the more important if you intend to keep the car a while - not such an issue if the unfortunate policy holder has his car stolen in the first month....

[Booth11]

No - you really need 'Replacement Vehicle' GAP for that as 'Return to Invoice' will only get you back to the cost you paid for the your car in the first place. If the list price of the car has since increased (mine has twice in the last 20 months) and the current discount is not quite so good you will have to cover that yourself with RTI.

All the more important if you intend to keep the car a while - not such an issue if the unfortunate policy holder has his car stolen in the first month....

This. 

Replacement Policy Plus or Replacement Vehicle policy is what you need. I obtained over £4k discount off my R and so if I only had Return to Invoice policy that would only pay out the amount I paid after discount and therefore most likely NOT cover the cost of a replacement vehicle, plus take into account any price increases that had come into effect, exactly as Mark V says.