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I think it is a great idea - if you write the car off within the first three years, the policy will pay out the difference between the current retail price and what your insurance company give you (hence it wll fill the gap).
It something I really wanted but due to problems with my car I didn't get it as the only drawback with it is, it only covers the car that you purchase so if for any reason (risk minimal) the car has to be replaced due to a serious mechanical fault you can not transfer the policy to the new car.
You could buy gap insurance through this site, I have been trying to find the link for you, maybe BG can point you in the right direction - Basegreen?
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