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Gap/Return To Invoice Insurance

Discussion in 'A3/S3/Sportback (8P Chassis)' started by soulsurfer, Apr 19, 2013.

  1. soulsurfer
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    soulsurfer Member

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    [Apr 19, 2013]
    Why go for main dealer Gap insurance, it seems expensive compared to other options, but are they the same? Any thoughts or recommendations?
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  3. MrLapou
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    MrLapou Well-Known Member

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    [Apr 20, 2013]
    If you are over 50, Saga insurance cover includes new for old, over a 2 year period providing your are 1st reg keeper..
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  4. welshwoody
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    welshwoody Member

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    [Apr 20, 2013]
    When I bought my first A3 the gap insurance through the dealer was around £350, I thought it seemed a good deal as I had never heard of GAP insurance before then. I did some shopping around and found through Autotrader I could have the same deal but with an extra years coverage for £140 ish.
    Within 6 months I had written the car off but got back exactly what I had paid between Tesco insurance and Auto trader GAP insurance.
    Best £140 Id ever spent when you think Tesco were offering me nearly 4k less than the value I paid.
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  5. 347
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    347 Active Member VCDS Map User

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    [Apr 20, 2013]
    as welshwoody has said , I also have autotrader gap insurance on the bike , fortunately I haven't had to use it as of yet , but yes shop around then go back to the dealer , they might match it !
    #4
  6. _G_
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    _G_ Active Member

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    [Apr 20, 2013]
    Never go through the dealer unless they can match what you find. I once got return to invoice for £120 and 3 years! Found that using honest john... The dealer quoted £350 for the year!
    #5
  7. RobbieWebs
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    RobbieWebs Active Member

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    [Apr 20, 2013]
    Be nice to hear what anyone that has claimed after a write off would be? I took it out myself after buying mine and its only a peace of mind unless I need it:)
    #6
  8. soulsurfer
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    soulsurfer Member

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    [Apr 21, 2013]
    And also which third parties people are using, here's some comparisons taken out March this year...
    ImageUploadedByTapatalk HD1366528411.842490.jpg

    Some even cover your excess up to £250.

    It does seem to be a great peace of mind for relatively low price, as long as you don't buy it from the dealer...
    #7
  9. gazzer_s3
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    gazzer_s3 Member

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    [Apr 21, 2013]
    If you have any relatives who are civil servants you can join CSMA, used them before as dealer prices are over the top! Think I paid about £130 last time I took it out? Also you get free motor legal cover with membership.
    #8
  10. Beancounter
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    Beancounter New Member

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    [Apr 23, 2013]
    I have GAP on my car (2012 RR Sport) but as yet haven't taken it out on Mrs Beans A3 Cab, that said, I spoke with Aviva and RTI is included for the first year with their insurance, who we are with, so worth checking if you already have some sort of short term cover.
    #9
  11. Spider
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    Spider Member

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    [Apr 23, 2013]
    Ala was just over £100
    Dealer wanted £500
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