Discount on GAP Insurance

Exclusive member discounts

Discount on GAP Insurance

Postby Dan » Tue Aug 07, 2012 11:17 am

If you are thinking of taking out a GAP insurance product then we've managed to secure a great deal on already heavily discounted insurance policies taken out through ALA.

gap.jpg


All Club members will receive a 5% discount too - just follow the link below:

http://www.ala.co.uk/r/?r=Carforum and use code: forum123

Have you thought about gap insurance?
From the moment you drive your car away from the dealer forecourt its value automatically depreciates. This depreciation will increase drastically over the course of you owning that car.
You may not be aware but should the worst happen and your vehicle is stolen or is involved in an accident where it is damaged beyond repair, even if you have fully comprehensive insurance, you will only receive the current market value as a payout from that insurer.

This could result in a shortfall of up to two-thirds of the value of the vehicle in as little as 3 years. Crucially a motor insurance company may not pay enough to settle the outstanding finance on the vehicle.

By purchasing GAP insurance this shortfall can be prevented. A GAP policy covers the difference in price between the initial price paid for a car and the market value payout by your comprehensive insurance company. It therefore ensures that you don't suffer the financial loss otherwise associated with the loss of your car through theft or irreparable damage.

Are you thinking this will never happen to you?.........
UK Car Crime is a third of all crime
A vehicle is stolen every minute, 33% of these are never recovered
Cars depreciate by up to 77% over a 3 year period
Motor insurance settlements are always less than the price you pay for your car
When a write off occurs you lose out and have to raise the funds for any short fall
Write offs occur all too often; protect yourself!
Why AL£
Market Value Clause
Make sure there isn't one! This clause means that the GAP company will only pay from the Glass's Guide Retail value. If your Comprehensive Insurer settles for less, you could well end up with a shortfall. ALA does not have one.

Maximum Value Clause
You don't want one of these either! This means that the value of your car is typically capped at 105% of Glass's Guide Retail value. If you have added some extras, which is very common, these extras may not be covered under your GAP policy. ALA does not have one.

Free Transfer
Of any unused premium and FREE policy amendments. ALA offers this.

Claim Period
If you have ever suffered a Total Loss Claim, you will know the level of stress it can cause, you may even forget to contact the GAP Insurer straight away. The better policies will give you 120 days to make a claim, lesser policies limit this to 30 days. ALA offers 120 days.

UK Registered Insurers
Buying from a UK insurer means that it is directly authorised and regulated by the FSA, which in turn offers you policy protection under the Financial Services Compensation Scheme, will give you the security you need. Other GAP providers use off-shore insurers, who, although licensed to sell GAP Insurance in the UK, ultimately can step away from their obligations without redress. ALA are UK registered.

Extra features now available - all with our exclusive benefit! (Only when purchased with GAP)

Alloy Wheel Insurance
ALA Alloy Wheel insurance covers your car's Alloy Wheels for the repair of light, accidental damage.
Policies are available for up to 3 years with the ability to make up to 3 claims per years over the course of the policy.
Tyre Insurance
ALA Tyre Insurance repairs or replaces the tyres on your car, light van or motorcycle when damaged either accidentally or maliciously. Cover can be purchased for up to 3 years with up to 5 claims over the course of the policy.
Scratch and Dent Insurance
ALA Scratch and Dent insurance covers the cost of minor body damage to your car, occurring within the geographical limits of the UK.
Policies are available for up to 3 years with the ability to make up to 3 claims per years over the course of the policy.

All Club members will receive a 5% discount too - just follow the link below:

http://www.ala.co.uk/r/?r=Carforum and use code: forum123

Unsure about ALA
I've had a lot of people ask if this cover is as good as their dealers and if so why is it so cheap. Well to put it bluntly - your dealer is making a lot of money off this product! GAP insurance from ALA is as good as or exceeds many products that your dealer offers. If you want to read up a little more - here is an article from Honest John: http://www.honestjohn.co.uk/gap-insuran ... insurance/
Real life testimonial from a customer who made a GAP Insurance claim with ALA Insurance Brokers:

"ALA with my loss were great on the phone and within 3 weeks of notifying them I had a cheque in the post, so I would recommend that you use ALA Insurance Brokers"

Graham Jones
Dan
 
Posts: 105
Joined: Sun Aug 05, 2012 5:10 pm


Discount on GAP Insurance

Postby cp30 » Sun Sep 21, 2014 10:57 pm

Hi all, another tip for ALA is to search around for a comparable quote that is lower and ask for a price match - their website currently has following offer

Find a comparable GAP premium online for less, and we will match the price and beat it by 20% of the difference.


I recently did this via online chat and had no problem at all, decent saving :)
cp30
 
Posts: 9
Joined: Sun Sep 21, 2014 9:59 pm


Discount on GAP Insurance

Postby PeterPerfect13 » Sat Nov 01, 2014 1:40 pm

Just a thought on this. I've just ordered a new QQ so have done some early research on insurance policies including the new for old T&Cs. Seems that some policies will cover new for old in the first year provided you are the first registered owner (so not pre-registered) and that a like for like replacement is still available (thinking about the now defunct Acenta Premium). Only for the first year but you could then look at GAP for years 2 onwards if so desired.
2014 Ink Blue 1.2 CVT n-tec+
PeterPerfect13
 
Posts: 20
Joined: Sat Nov 01, 2014 6:34 am


Discount on GAP Insurance

Postby pistnbroke » Thu Jan 29, 2015 4:45 pm

Nisssan dealer £300 Nissan phoning me GDI £400 ALA with discount £195

Sounds good to me
pistnbroke
 
Posts: 121
Joined: Fri Jan 11, 2013 9:25 am


Discount on GAP Insurance

Postby jonceebee » Thu Jan 29, 2015 5:10 pm

If you insure a new car with NFU for the first two years of registration you get a replacement car supplied similar to GAP insurance as part of the deal, should your car be written off, stolen, catches fire etc.
QQ 2014 1.2 Tekna Storm White. Chromed front lip finisher,Side Sills,Glass Finisher, Lower Trunk Finisher, White Side mouldings, White AlloyGaytors, Wind Deflectors
Cross Over Pack, auto fold mirrors
User avatar
jonceebee
 
Posts: 1171
Joined: Sat Jan 25, 2014 5:25 pm


Discount on GAP Insurance

Postby AlleyCat » Thu Jan 29, 2015 5:18 pm

Most of the better insurers will put you back to where you were if the car gets toasted in the first year.
With the prices NFU quote for me, at least Jon, that second year isn't much of an incentive to buy.

I'm not exactly sure how some insurers work out their risk profiles to come up with such massive variations in policy prices but that's a whole other conversation Smile


Nissan no more...
AlleyCat
 
Posts: 573
Joined: Thu Feb 20, 2014 8:56 pm


Discount on GAP Insurance

Postby jonceebee » Thu Jan 29, 2015 5:24 pm

My NFU policy was only £9 per year higher than any other quote, so the advantages were there to go with them. I have heard they can be expensive, but when I retired my former company wrote to them stating I had never made a claim of my fault in over 30 years of driving and I also get the Advanced Drivers discount.
QQ 2014 1.2 Tekna Storm White. Chromed front lip finisher,Side Sills,Glass Finisher, Lower Trunk Finisher, White Side mouldings, White AlloyGaytors, Wind Deflectors
Cross Over Pack, auto fold mirrors
User avatar
jonceebee
 
Posts: 1171
Joined: Sat Jan 25, 2014 5:25 pm


Discount on GAP Insurance

Postby AlleyCat » Thu Jan 29, 2015 5:27 pm

I don't pretend to understand how any of them work.
Companies that are underwritten by the same insurer and with the almost identical policies will quote wildly variable amounts.
At £9 difference i'd consider it a no brainer for you to have done that Jon.

I think the last NFU quote i got was about £400 more than quotes from other "reputable" insurers.

I tend to avoid the bargain basement ones on principal but tripling my premium isn't something i'd be happy with :)

AlleyCat2015-01-29 17:28:04
Nissan no more...
AlleyCat
 
Posts: 573
Joined: Thu Feb 20, 2014 8:56 pm


Discount on GAP Insurance

Postby Quacker » Thu Jan 29, 2015 7:17 pm

Gap insurance has the making of the next big mis-selling scandal.

Also, anyone taking car finance that leaves them in negative equity is living beyond their means.
Quacker2015-01-29 19:19:32
From Juke 1.5D Tekna 2011 to Qashqai 1.5D N-Tec 2014
Quacker
 
Posts: 541
Joined: Tue Oct 21, 2014 11:17 am


Discount on GAP Insurance

Postby pistnbroke » Fri Jan 30, 2015 8:32 am

Quacker I dont think you understand ..if you lease a car with a baloon at the end (option to purchase) then if the car is written off you are still liable for the total of the payments and the baloon. The value of the car paid by your insurance company at say 24months may not cover this if it written off ......but as it works out to about 50p a month I dont know why they dont include it in the monthly payments.
pistnbroke
 
Posts: 121
Joined: Fri Jan 11, 2013 9:25 am


Next

Return to Members Discounts

Who is online

Users browsing this forum: No registered users and 1 guest

Nissan QashQai Forums

Our Nissan QashQai Forums are free to join and open to all. Contact Us.

Copyright 2015. Not associated with Nissan.

cron