18 months old I got market value and the depreciation is always high in that period. So I got £9k and was trying to replace an octavia l&k estate.

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New for old used to be the norm for cars under 12 months old (so no help for 18 months), but a lot of companies no longer offer this, so check the small print. If you have a car on finance your insurer will settle this first and without some form of gap/shortfall/return to invoice cover you will come unstuck in the event of a total loss. Don't pay dealer prices though!

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I had an aftermarket Sony DAB radio in my Citroen C5 and seriously miss not having DAB in the Octavia ....

I listened to our local radio station "Clyde2" a lot which otherwise was only on the AM waveband but there where other stations available not in my area on FM too.... I was using a windscreen mount arial and honestly can't complain at the reception I was receiving or the sound quality, people say FM is superior but I have to disagree on that.

My insurance is due 18th Sept. I am phoning around at the moment for quotes and policy details/small print.

 

The Caravan Club suggested a book price of £13,000 but at my request have quoted me a policy on my estimated replacement value of £17,000 at a dealer, for my June 2014 Yeti.

I think the £188 quoted is a good price for the policy with fully comp, protected ncd, european driving cover etc.

 

Colin

As far as DAB goes, I wouldn't want to be without it now. Most of the time I have 'Smooth Radio' on which isn't an option on FM (is it??) but when I switch to e.g. Radio2, if the signal drops out the radio automatically switches itself to FM.

Wouldn't it be line of sight dependent even more than FM and thus depend on your terrain ......unless there are a lot of repeater aerials .

Without DAB, you could always Bluetooth any radio station you like via the Tunein app. I do most of my listening via this app or Apple Music. DAB is a dead duck. The long -term replacement for FM will be streaming based. DAB is a very poor carrier, and low quality. Most radio stations are at a very low bit rate on DAB.

Yeah but that depends on a data signal. Many places can't get 2g never mind 3g

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Yeah but that depends on a data signal. Many places can't get 2g never mind 3g

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Your lucky can't get a phone signal let along any G'sssss   

Your lucky can't get a phone signal let along any G'sssss

that's what I said, no 2g is no phone signal

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First off, I fell for the oldest trick in the dealer handbook and took out the GAP insurance they offered! I'm going to call and cancel that tomorrow and instead buy from an online broker, so... If you've taken out GAP for your pride and joy who have you used and how much did you pay (if you don't mind me asking, that is!)??

 

 

I'll gladly do you a quote if you wish.  I sponsor this forum and have helped many members out with GAP insurance.  Forum members get 10% discount off our full prices too!

 

 

Hi Adam

 

Rather than take out Gap insurance I took out my annual car insurance with NFU which gives me a new car if mine is written off, this option is available for cars up to 2 years old .

 

I'm not familiar with the NFU policy but you are quite right that it's one of two (SAGA being the other - note though that the SAGA New-For-Old cover has (I believe) a 12,000 mileage limit) that claim to provide New-For-Old cover for 2 years from the date of first registration.  However with any Motor Insurance policy offering New-For-Old cover, the devil is very much in the detail and I regularly see Motor Insurer's New-For-Old schemes that have such stringent terms and conditions that it'd be nigh on impossible to both qualify for and receive a New-For-Old replacement.

 

If anybody is considering forgoing GAP insurance in the first year and relying on New-For-Old cover from their Motor Insurer instead, it is VERY important that you review your Motor Insurer's New-For-Old scheme terms very carefully and understand exactly what it will and will not do.  I published this blog article back in February with guidance of what to look for, I highly recommend that you read it: http://blog.gapinsurance.co.uk/index.php/2015/02/23/the-perils-of-new-for-old-cover/.

 

it's also worth noting that most Motor Insurers only provide New-For-Old cover for the first year, whilst most GAP insurance providers only allow you to buy Invoice or Replacement GAP insurance up to 6-months after taking ownership of the vehicle.  We allow you to purchase Invoice or Replacement GAP insurance up to 12 months after taking ownership of the vehicle, or you can buy "early" but elect (at no additional cost) to delay the start date of the GAP insurance policy by up to 12 months from the date of registration.

 

Ultimately, the key concern should be that you need to be careful not to avoid GAP insurance in later years (when the gap is larger) just because you have New-For-Old cover in the first year.

 

Got my GAP Insurance from Chris Knott Insurance.... 3 years cover on car invoice value  £21,467,  max payout £10,000,  cost about £112 (Skoda wanted nearer £400)  No brainer!

 

If you're happy with it, great. But £112 for a 3yr Invoice GAP insurance policy is still expensive. Particularly as (reading their docs here: https://www.chrisknott.co.uk/docs/GAPC_Wording.pdf) it's not that great a policy given that it includes (amongst other things) Market Value clauses against both the vehicle purchase price AND Motor Insurance payout at the time of claim - E.g. If you bought the car for a figure higher than what Glass' Guide said it was worth at the time you bought it, they won't cover the amount by which they will deem you to have overpaid and at the other end of the scale if the Motor insurer at the time of claim pays out less than what Glass' Guide says your vehicle is worth, they won't cover the amount by which your Motor Insurer underpays - leaving you out of pocket.  Most online GAP insurance providers (including us) dropped Market Value clauses from their policies quite some time ago now because they're deemed to be unfair to the policyholder who in reality has little sway over them.

 

FYI, after your forum discount we'd have charged you £77.63 for a better Invoice GAP insurance policy than theirs for the same duration and Claim Limit or, £96.03 for the superior Replacement GAP insurance - although in my opinion, a Claim Limit of just £10k is inadequate cover for a three year duration.

 

See here for some good points on which to compare GAP insurance policies: http://www.gapinsurance.co.uk/how-do-our-gap-insurance-policies-compare.asp and if you want to discuss further, give me a shout.

 

 

Before you take out GAP check your own car insurance.

 

... and read this: http://blog.gapinsurance.co.uk/index.php/2015/02/23/the-perils-of-new-for-old-cover/

 

Itook out GAAP insurance for my new Yeti with Davisd at gapinsurance.co.uk - on of Briskoda's Sponsors. I recommend that you read his helpful advice below for starters.

http://www.briskoda.net/forums/topic/338400-gap-insurance-what-is-it-and-why/

 

Thank you DGW! :-)

 

Have always felt that things like GAP insurance were designed to be of benefit to the product sellers and not the customer (you give them money for very little in return).  I know with my car insurance policy, if it is written off I get a new replacement which is effectively GAP insurance.  But this only applies until the car is one year old.  As ever it's personal choice but I would always give GAP insurance and the likes such as puncture insurance a wide berth.

 

See my comments above about New-For-Old cover from a Motor Insurer and ready my blog. - it's often not remotely what it's cracked up to be... sadly.

 

At Dealer's prices, GAP insurance is absolutely more about profit for the dealer.  At our prices, (for superior policies than dealers sell) it's a very different story! :-)

 

 

 

Best wishes

 

David

As David says you do need to read any Gap Insurance details carefully.

 

The prices David has stated seem very reasonable and I will definitely contact him myself for quotes when my present policy expires.

 

As I previously said the NFU policy I have at the moment seems to cover all my own reqirements very well and NFU do carry a very good recommendation from "Which" who rate them 2nd in their pole of Insurers if I remember right.