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Ady 555
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Member Since: 12 Dec 2010
Location: Good old yorkshire
Posts: 8712

United Kingdom 2012 Range Rover Sport SDV6 HSE Santorini Black
Gap Insurance

Has anyone used these https://www.directgap.co.uk/Quote.aspx?vc=&cl=25000&trm=1
Question Is it worth getting gap insurance upto 4 years as the most they will pay out is 25k, Confused 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 Shocked gap insurance at all, whats your thoughts or have i just answered my own question Embarassed

Post #333132 Mon Feb 20 2012 2:59pm
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

I took the view that any money back, was better than nothing Thumbs Up
I did RTI over 4 years, think it was a similar amount, circa 190.
Mine was via MHC and KAM on here. BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333139 Mon Feb 20 2012 3:18pm
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Ady 555
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Member Since: 12 Dec 2010
Location: Good old yorkshire
Posts: 8712

United Kingdom 2012 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333150 Mon Feb 20 2012 3:47pm
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

^^^ 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 Laughing

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 Crying or Very sad ) if you do, MHC allow you to defer the policy until that period is up. Worth checking Thumbs Up

...I see that Kams website www.gapinsuranceuk.net is down at the moment, I've sent them an email BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333151 Mon Feb 20 2012 3:56pm
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Ady 555
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Member Since: 12 Dec 2010
Location: Good old yorkshire
Posts: 8712

United Kingdom 2012 Range Rover Sport SDV6 HSE Santorini Black

Well ive just tried their gap insurance link, but that doesn't work, Confused 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. Banging Head and i am not talking to an answer phone Whistle never have and never will.

Post #333154 Mon Feb 20 2012 3:58pm
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Ady 555
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Member Since: 12 Dec 2010
Location: Good old yorkshire
Posts: 8712

United Kingdom 2012 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333156 Mon Feb 20 2012 4:02pm
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

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 Thumbs Up BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333157 Mon Feb 20 2012 4:05pm
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Ady 555
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Member Since: 12 Dec 2010
Location: Good old yorkshire
Posts: 8712

United Kingdom 2012 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333158 Mon Feb 20 2012 4:07pm
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jim4244



Member Since: 16 Feb 2012
Location: No
Posts: 1107

England 2013 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333161 Mon Feb 20 2012 4:20pm
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

^^^ Agreed, just don't buy it via a dealer, independent companies (such as those linked above) offer a much better deal Thumbs Up
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 Wink BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333166 Mon Feb 20 2012 4:37pm
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jim4244



Member Since: 16 Feb 2012
Location: No
Posts: 1107

England 2013 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333249 Tue Feb 21 2012 9:29am
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

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 Thumbs Up (for 190 for a 4 year policy that pays up to 25k, its a no brainer)
Tyre - Probably Confused (depends where you live, how you drive, now many miles etc)
Scratch and Dent - Probably not Sad BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333255 Tue Feb 21 2012 9:49am
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jim4244



Member Since: 16 Feb 2012
Location: No
Posts: 1107

England 2013 Range Rover Sport SDV6 HSE Santorini Black

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

Now give me 6 numbers for this weeks lottery! Laughing

Jim

Post #333259 Tue Feb 21 2012 10:12am
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Beancounter_74



Member Since: 11 Oct 2011
Location: Down here now...
Posts: 5792

England 

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 Confused

Those lottery numbers are still evading me though Whistle Big Cry BMW F31 335D MSport+ xDrive Touring - Mineral Grey w/ Coral interior
MERCEDES GL350 - Metallic Navy Blue w/Grey interior

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

Post #333263 Tue Feb 21 2012 10:36am
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jim4244



Member Since: 16 Feb 2012
Location: No
Posts: 1107

England 2013 Range Rover Sport SDV6 HSE Santorini Black

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

Post #333266 Tue Feb 21 2012 10:44am
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