Hey I've decided it's about time I got GAP insurance, before I forget about it. Got 4 year quotes of Â£209 for Return to Invoice and Â£220 for Vehicle Replacement from ALA. Are these competitive? Also, which is best for me? My car is an A3 Black Edition, 4 weeks old. I paid Â£27k, full before discount is Â£30k or near enough. Should I just go with their suggested maximum claim limit? And finally, I don't know what my "full invoice amount before discount" is. My basic car price was Â£21,570.83 Factory options: Â£2,341.67 Dealer options (extended warranty): Â£454.17 Delivery, PDI, de-wax: Â£491.06 First Registration fee: Â£55 Road Fund License: Â£115 Which of these do I include? Do I include the VAT? If so, I've got a VAT amount which is AFTER the dealer discount - should I recalculate what this would've been without the discount?