GAP Insurance - Which company?

[AntGTD]

Guys,

With my build week fast approaching (next week) and collection next month I need to start looking at GAP insurance. VW have quoted me £395 for return to invoice, there are other options like gapinsurance.co.uk directgap etc but having never had GAP insurance I would like the views of members who have taken it out elsewhere.

[SRGTD]

Try ALA. ALA are an insurance broker, and the GAP product they offer is underwritten by Ageas Insurance.

https://www.ala.co.uk

If you use discount code VP10 in the promotional code box, you'll get a 10% discount off their normal price.

I think you'll do much better than VW's price which includes their excessive commission mark up. ALA also do vehicle replacement plus, which is a better level of cover than return to invoice; details are provided on their website.

[Booth11]

ALA

[AntGTD]

Thanks

With a possible additional 10% cashback via quidco I could be onto a winner here!

[mk7gti]

A decent insurance policy will come with one years gap insurance as standard for a new car. That will save you a few pounds until you reach years two and three.

[monkeyhanger]

A decent insurance policy will come with one years gap insurance as standard for a new car. That will save you a few pounds until you reach years two and three.

Most Gap insurance providers will make you buy before the car is 6 months old, and will not let you defer.

[Daz2411]

Thanks

With a possible additional 10% cashback via quidco I could be onto a winner here!

ALA ...... Cashback and 10% don't work together it's either one or the other. Better going for 10% off just in case quidco doesn't track

[monkeyhanger]

Thanks

With a possible additional 10% cashback via quidco I could be onto a winner here!

ALA ...... Cashback and 10% don't work together it's either one or the other. Better going for 10% off just in case quidco doesn't track

When I arranged mine, ALA and 1234 were about the same price for the standard GAP but 1234 were significantly cheaper than ALA for the GAP+. I went the price match minus 10% playing ALA off 1234 for the GAP+, that brought GAP+ within £6 of the originally quoted ALA standard GAP price, and way better than a 10% discount off their price for GAP+.

Food for thought....

[p3asa]

A decent insurance policy will come with one years gap insurance as standard for a new car. That will save you a few pounds until you reach years two and three.

What he says 

I looked into this a while back and found loads of companies offering deferred GAP as generally your insurance cover will offer return to invoice in the first year if you are the first owner (not pre registered)

In the end though I went with ALA although I'm not quite sure why 

https://car2cover.co.uk/gap-insurance/deferred-gap-insurance/
https://gapinsurance123.co.uk/437/deferred-gap-insurance/
https://easygap.co.uk/131/deferred-rti-and-vri
https://www.directgap.co.uk/utility-pages/deferred-gap-insurance-policies/

[Mark V GTD]

A decent insurance policy will come with one years gap insurance as standard for a new car.

No it won't - read the small print, it will undertake to replace your car with a new one only 'if such as car is readily available'. For the Golf in many cases it will not be readily available and the insurer will revert to market value. Do not  make the mistake of thinking 'new car replacement' in a conventional insurance policy is a substitute for GAP - it isnt.