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Wheels / Paintwork / Gap Insurance options? - Printable Version

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Wheels / Paintwork / Gap Insurance options? - andyuk - 16-12-2011 07:48pm

I wondered if anyone knew of any online companies who would be more competitive than LR dealerships for Wheels, Paintwork & Gap Insurance?

My Evoque is due to arrive in less than a month now so need to start thinking about these options. LR said they will do the Wheels & paintwork for £500 but I am guessing there will be independent companies who would be more competitive?

Any suggestions would be most welcome!

Thanks
Andy

RE: Wheels / Paintwork / Gap Insurance options? - IKM - 16-12-2011 08:54pm

Andy,

My dealer quoted £399 today just for GAP insurance for 3 years.

RE: Wheels / Paintwork / Gap Insurance options? - Tully - 16-12-2011 09:06pm

(16-12-2011 07:48pm)andyuk Wrote:  I wondered if anyone knew of any online companies who would be more competitive than LR dealerships for Wheels, Paintwork & Gap Insurance?

My Evoque is due to arrive in less than a month now so need to start thinking about these options. LR said they will do the Wheels & paintwork for £500 but I am guessing there will be independent companies who would be more competitive?

Any suggestions would be most welcome!

Thanks
Andy

Hi Andy after a few delays and spec Change mine is due in a couple of weeks - Dynamic OG luxVery Happy. I won't need to change grills but I see you have also upgraded!

Anyway try ALA for gap insurance - around £250 for 3-4 years

http://car-paint-protection.co.uk - looks decent for detailing £240 supagard 3yr guarantee......

Tully

RE: Wheels / Paintwork / Gap Insurance options? - Daigriff - 16-12-2011 09:10pm

Rang my insurance company and they provide 100% cover in first year so have not taken GAP. So if car is written off they will provide me with a new one.

I did get a quote off Kam's (?) company and it was about £160 for £25,000 cover.

RE: Wheels / Paintwork / Gap Insurance options? - LDT - 16-12-2011 09:36pm

I think Kam's company/policy will defer the start date for the first year, and then cover from the second year onwards for 3 years. Kam will no doubt confirm.

RE: Wheels / Paintwork / Gap Insurance options? - andyuk - 16-12-2011 09:39pm

Yes I am with LR insurance & they also do the GAP cover for first 12 months so really looking at the Paintwork, Tyres & Alloys

RE: Wheels / Paintwork / Gap Insurance options? - cutter7 - 16-12-2011 09:59pm

(16-12-2011 07:48pm)andyuk Wrote:  I wondered if anyone knew of any online companies who would be more competitive than LR dealerships for Wheels, Paintwork & Gap Insurance?

My Evoque is due to arrive in less than a month now so need to start thinking about these options. LR said they will do the Wheels & paintwork for £500 but I am guessing there will be independent companies who would be more competitive?

Any suggestions would be most welcome!

Thanks
Andy

http://www.car-paint-protection.co.uk/
Try these people.. i have been quoted £240 (incl VAT) for the Autoglym Lifeshine. (booked 22nd)
I also enquired about the Gap cover against my Invoice and they quoted £169.00 bases on 20k for a 36 month term.
Land Rover wanted £695.00 for exactly the same set up!! Embarrassed

RE: Wheels / Paintwork / Gap Insurance options? - mark_n - 16-12-2011 11:47pm

Sorry, but it's all nonsense. You can have too much insurance. Just put the money in the bank and use it to pay for any mishaps, all your life. Occasionally, you'll lose out but most of the time, you'll be ahead.

RE: Wheels / Paintwork / Gap Insurance options? - Straydox - 17-12-2011 12:22am

(16-12-2011 11:47pm)mark_n Wrote:  Sorry, but it's all nonsense. You can have too much insurance. Just put the money in the bank and use it to pay for any mishaps, all your life. Occasionally, you'll lose out but most of the time, you'll be ahead.

Mark is absolutely right - just like the Paint Protection thread also running GAP insurance is a profitable earner for the dealer that preys on our fear of the insurance company not coughing up for a replacement car in the 1st year or enough money to cover a replacement after that. It is 95% an irrational fear but we love that shiny new toy don't we - we are car enthusiasts and that's why we are on this site.

The principle of GAP insurance is that in most instances they won't have to pay out because the primary insurance cover will do what it is designed to do. Most GAP insurance policies just provide cover for 5, 10 and £15,000 cover (remember it is just the difference (if any) in ££££ between the primary insurance payout and the vehicle replacement cost).

Not all GAP insurance policies are equal - and many (because insurance companies won't make a profit if they have to keep paying out on claims) exclude theft of the vehicle using it's keys. Now the security systems of modern vehicles are such that theft of a car without the keys (transponder in the key fob authorises the engine management ECU to to start the engine) is both difficult and expensive - so many car thefts have a burglary attached with them too now.

If you still feel that peace of mind is required even though you will probably never, ever need it then it can be bought for less than £100 - i.e. Car2Cover site

RE: Wheels / Paintwork / Gap Insurance options? - IKM - 17-12-2011 12:41am

Thanks Straydox, between you and Mark, you've saved me more money again!