Has anyone used these https://www.directgap.co.uk/Quote.aspx?vc=&cl=25000&trm=1
Is it worth getting gap insurance upto 4 years as the most they will pay out is £25k, so on a range rover sport i guess you are still going to get a shortfall of the RTI if you had a claim 38 to 48 months later the way a range rover sport depreciates, i know 25k is better than not having any gap insurance at all, whats your thoughts or have i just answered my own question

I took the view that any money back, was better than nothing
I did RTI over 4 years, think it was a similar amount, circa £190.
Mine was via MHC and KAM on here. ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Yes i agree, at that price you would be foolish not to have it I'm sure Kams price was nearer the £240 mark when i origanally enquired, i will have to enquire again, many thanks beano

^^^ I don't doubt that Ady, when I first looked, the quote was at that level, then when I finally got around to buying the policy it had dropped by about £50, apparently market forces acording to James at MHC. One of the few times that my laziness has saved me money

One point to note, check your car insurance policy as some have RTI built into them for the first 6 months/year (mine doesn't ) if you do, MHC allow you to defer the policy until that period is up. Worth checking

...I see that Kams website www.gapinsuranceuk.net is down at the moment, I've sent them an email ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Well ive just tried their gap insurance link, but that doesn't work, so i thought that i would call them on the phone to get a quote and inform them that their gap insurance link doesn't work and low and behold there isn't anyone there to answer the phone either. and i am not talking to an answer phone never have and never will.

My insurance covers me for "market value" so then that leaves that one open for argument between the two then i guess

Yes, I'm with direct line and have the 'market value' text too.
I phoned the for clarification (fully knowing the answer) and was told in no uncertain terms that they would not be paying out the invoice value in the event of a total loss claim.

I dealt with James there James@Mhasnain.co.uk if you want to email them  ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Ok thanks for that, i'll send him a e-mail.

I must admit that I never usually take up any of the bolt on offers that car dealers try to get you to buy. However I have taken the Gap Insurance for a 3 year period. When you take into account that you loose 20% of the cars value (VAT) as soon as you drive away from the show room its a no brainer......

Jim

^^^ Agreed, just don't buy it via a dealer, independent companies (such as those linked above) offer a much better deal
Edit: If you've done it through a dealer Jim, just make sure you're happy with the price. I was quoted around the £500 from a dealer and endued up paying under £200 from an independent  ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Beancounter.......you are a man in the know........When I ordered my RRS I took out a policy covering scratch & dent insurance for £500 to cover a 3 year period.

What are your thoughts????

Jim

Seems a little racey to be honest Jim.
If you follow this link they are quoting £260 for a 3 year policy.
I have to ask, why not leave this one, surely most damage would be covered under your usual insurance policy, no?
Obviously you would have an excess, but I can't quite see the point of Scratch and Dent insurance.
I'd say:
Gap - Yes, definitly (for £190 for a 4 year policy that pays up to £25k, its a no brainer)
Tyre - Probably (depends where you live, how you drive, now many miles etc)
Scratch and Dent - Probably not  ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Beancounter.....you are indeed a wise man.....

Now give me 6 numbers for this weeks lottery!

Jim

If you can cancel with the dealer, I definitely would, seems daft to put £250 additional into their pocket for nothing.
Just to note, I've not used the company above I linked, but it gives you an indicitive price.
I got mine through www.gapinsuranceuk.net (the chap Kam is a member on here) but their site is currently down

Those lottery numbers are still evading me though  ON THE WAY: BMW F21 M140i
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

GOING: BMW F31 335D MSport+ xDrive Touring
GONE: Land Rover Discovery 4 HSE - Stornaway Grey w/Black Interior (wish we'd kept it )
GONE: BMW F10 520D MSport - Carbon Black
GONE:MY12 RRS SDV6 HSE Sumatra/Ivory/Grand Black Privacy glass

Yep...I just have.

I was quoted £400 for £20,000 and 3 years cover on gap insurance and a massive £500 for dent & scratch insurance.

By following the link on this thread I have been offered £25,000 and 3 years gap cover for £248 and dent & scratch for £260

I'll wait until your buddies site is up Beancounter and see what he can offer.

Have just been told that my car has been built and that the dealer is expecting it any day now.

Jim