From reading this and other threads it seems that GAP is certainally worth the price, for the piece of mind. I have a quick question about this though - my car has 22' alloys and reading the t&c's they mention 'modified from factory spec' would this mean that my car is infact not covered?

i have had a chat with Kam and subject to the wifes approval i will be taking out a 4 year cover, differed start for one year as my insurance company covers new of old for the first 12 months anyway, cheap car, so she will have cover for her fully 0% finance term for only £200

Glad I read through this thread fully as on checking the small print from LR offered product it's clear the policy pays out the difference between invoice value and the higher of insurance payout or glass's guide valuation. Oddly, the dealer's 'Business Manager' forgot to mention this