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RAC Gap Insurance Cover

Discussion in 'Interior, ICE, Security, Lighting & Electrical' started by Rich, Nov 10, 2005.

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  1. Rich

    Rich

    Joined:
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    Location:
    Gloucestershire www.richtreen.co.uk
    Car:
    106 GTi
    Just had a phone call offering me this on for the 182 - £10 quid a month waste of time or worth the cash?

    Any views?

    Cheers

    Rich
     
  2. Middo

    Middo

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    over how long a time scale? its normally a set charge of 200quid.

    i would have gone for it, if i'd have had 200quid lying around at the time of purchasing my car.
     
  3. Rich

    Rich

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    She said it was £10 per month but didnt say for how long, the cover was for 3 years so I guess that it would be £360 quid if they took it each month for the whole period.
     
  4. Middo

    Middo

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    if you are interested shop around, as you can pay a lump sum for your premium which would work out cheaper.
     
  5. Black Gold 182

    Black Gold 182

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    Location:
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    im with the rac and they said to me within the first year of registration,if it were written off they replace for new,rather than give me market value.Is yours a brand spanker.I decided against the gap insurance i must admit,also look out for clauses as they will out pay out a gap up to a maximum value
     
  6. Rich

    Rich

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    Yeah she said the max pay out would be 15, which would cover the 182, if you could find a new to replace it with though as they will soon all be gone.
     
  7. geordieclio

    geordieclio

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    so can you get gap after you bought the car?
     
  8. Rich

    Rich

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    Location:
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    I brought the car in March, she phoned up yesterday evening, think she said something along the lines of within 12 months of purchase.
     
  9. Mark5290

    Mark5290

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    £10 per month for 36 months sounds rather steep, the dealer where i bought my 182 from wanted £276 for 3 year covering up to £10,000 difference.

    A quick search on google - http://www.click4gap.co.uk/

    Return To Invoice cover -

    £5,000 claim limit - £137 - 36 months cover
    £7,500 claim limit - £153 - 36 months cover
    £10,000 claim limit - £163 - 36 months cover
     
  10. toms_cup

    toms_cup

    Joined:
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    Location:
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    ive got it, gap with rac and also gap with black horse finance

    so if i crash and write the cup off that mean I get two payouts or not lol

    Tom
     
  11. Mark5290

    Mark5290

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    Could someone who has 'Return To Invoice' insurance please check their policy wording to see if it covers an own fault total loss claim, example - you lost control of your car, no other vehicles or factors involved and hit a tree resulting in a total loss.

    Reason i want to know is i was reading a policy online and the way i interpret it is if the accident is your fault and results in a total loss then they won't pay out.
     
  12. chiefsilverback

    chiefsilverback

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    The GAP insurance I had on my SEAT Leon Cupra R paid out for an own fault write off!

    I filled out a claim form and send a copy of my original invoice, and a copy of the settlement figure from my main insurer and the GAP company paid the difference....

    The cover on my Trophy came from the dealers and cost about £200 for 3 years....
     
  13. Mark5290

    Mark5290

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    chiefsilverback - Thanks for that, it was probably me just mis-interpreting the legal mumbo jumbo.
     

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