Insurance Gap Insurance

allan40alt · 20th August 2006, 13:57

Thought I would just mention my experience regarding Gap Insurance. This covers the difference between your Insurance Company pay-off and the cost of replacing.

Honda quoted me almost £400 but agreed to do it for £174 to match the quote I showed them.

This tip was passed to me, so I pass it on having saved around £226.

Have a look at:

www.click4gap.co.uk

Print the quote and save enough for TWO space saver wheels with enough left for a key ring, or two.

JB75 · 20th August 2006, 14:40

Thanks for posting this; I pulled out my vehicle order form on reading this and noted I'd been charged £349 for the gap insurance. A quote from the website comes in at half this price for return to invoice cover.

I'll try my luck at rejecting their price this week as I've yet to sign the credit agreement.

Bardley · 20th August 2006, 15:54

When I first placed my order for my civic they told me about the GAP insurance which I agreed to having, they told me it was £399 payable over 12 months interest free. I picked the car up 12 weeks later and the GAP insurance wasnt mentioned and I didnt have no written proof of me buying it so I checked on the internet. It quoted me £164, so I went with that, got a phone call from Honda about 2 weeks later asking for the cash for it. I told them I had already bought it from somewhere else and they didn't sound happy. but if I had an accident in those 2 weeks I wouldn't of been able to claim....that soon shut him up

JB75 · 21st August 2006, 21:02

Quote:

Originally Posted by JB75

Thanks for posting this; I pulled out my vehicle order form on reading this and noted I'd been charged £349 for the gap insurance. A quote from the website comes in at half this price for return to invoice cover.

I'll try my luck at rejecting their price this week as I've yet to sign the credit agreement.

Well, I didn't get them to reduce the price of their gap insurance quote, but pressing them on the significantly cheaper price I was quoted at Click4-gap did get me a free service thrown in.

I owe you one allan40alt.

allan40alt · 22nd August 2006, 07:56

Glad to have been of, er, service.

civicsport · 24th August 2006, 22:25

Mine was £199. no haggling.

Velocity · 25th August 2006, 09:45

Dealer has agreed to do mine for £175 when I pick up the car.

zippybungle · 25th August 2006, 10:23

Great tip thanks - told my dealer I'd think about it but I've got a bit of bargaining power now thanks! It's a captive market here in Northern Ireland though so discounts are hard to get. The first dealer I went to made me a great "offer" of full list price for the Civic and all extras, and could only give me bottom book price less 800 quid for my part-ex.... oh and finance at 14.9% APR. Oh, they're losing their Honda franchise soon too I discovered a week later

richierich · 25th August 2006, 16:06

Could you not get better APR with a car loan from a bank? But I guess then the dealers price would be worse. They make back any loss from discounts/part-ex on the interest.

zippybungle · 25th August 2006, 16:12

I just went to a better Honda dealer who matched the best bank APR and also gave me a good part-ex price and a bit of discount on the list price as well. Just wish I had my car now to drive! October seems a long way away....

Dave Taylor · 29th September 2006, 19:51

My dealer would not match the £230 quote I got, they said it was £400 and out of that they only make £80.

Collect mine next week so will buy it on line.

Re Dave

WoolyCiv · 29th September 2006, 22:39

Quote:

Originally Posted by Dave Taylor

My dealer would not match the £230 quote I got, they said it was £400 and out of that they only make £80.

Collect mine next week so will buy it on line.

Re Dave

Gee, my heart bleeds for them, perhaps we should offer them more than 20% profit for filling in a form

Unlight · 30th September 2006, 14:10

Quote:

Originally Posted by zippybungle

I just went to a better Honda dealer who matched the best bank APR and also gave me a good part-ex price and a bit of discount on the list price as well. Just wish I had my car now to drive! October seems a long way away....

Hey mate, did you go to Agnews on Boucher?

Im about to buy a Civic and would welcome your opinions/advice!

zippybungle · 30th September 2006, 18:53

Quote:

Originally Posted by Unlight

Hey mate, did you go to Agnews on Boucher?

Im about to buy a Civic and would welcome your opinions/advice!

I did - sent you a PM with my full opinion. Hope it's helpful.

basegreen · 30th October 2006, 18:10

We now have a site sponsor - GAP insurance specialists click4gap.

They have a full wide range of GAP products, so there's bound to be something there that interests you.

Topcat · 30th October 2006, 19:01

That is good that you have a sponser, I just had a look at their site, its too late for me to buy a policy as the car has to be less than 3 months old

basegreen · 30th October 2006, 19:15

I spoke to the director about this earlier, and they are putting together a policy which will protect your car, even beyond the 90 day policy limit.

Topcat · 30th October 2006, 19:54

Oh wow thats good, I look forward to reading about that at a later date

basegreen · 30th October 2006, 22:23

http://www.click4gap.co.uk/cgi-bin/t.cgi?a=428035

If you use that link, it will help this site out a lot!

Full advertising and product information will be coming soon.

Telboy · 31st October 2006, 19:01

Used them yesterday, very helpfull and efficiant

20th August 2006, 13:57	#1 (permalink)
allan40alt Supporter Civinfo guru Join Date: 6th August 2006 Location: Rugby, Warwickshire. Posts: 2,255 Thanks: 12 Thanked 33 Times in 31 Posts iTrader: (0)	Gap Insurance Thought I would just mention my experience regarding Gap Insurance. This covers the difference between your Insurance Company pay-off and the cost of replacing. Honda quoted me almost £400 but agreed to do it for £174 to match the quote I showed them. This tip was passed to me, so I pass it on having saved around £226. Have a look at: www.click4gap.co.uk Print the quote and save enough for TWO space saver wheels with enough left for a key ring, or two. Last edited by Pottsy; 30th October 2006 at 19:24. Reason: Hope you don't mind, but I've modified the link to help us.

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This thread is about: Gap Insurance, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; Thought I would just mention my experience regarding Gap Insurance. This covers the difference between your Insurance Company pay-off and the cost of replacing. Honda ...

20th August 2006, 14:40	#2 (permalink)
JB75 Locking Wheelnut Join Date: 18th August 2006 Location: Yorkshire Posts: 176 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Thanks for posting this; I pulled out my vehicle order form on reading this and noted I'd been charged £349 for the gap insurance. A quote from the website comes in at half this price for return to invoice cover. I'll try my luck at rejecting their price this week as I've yet to sign the credit agreement.

20th August 2006, 15:54	#3 (permalink)
Bardley Supporter Wheelnut Join Date: 18th August 2006 Location: Bristol Posts: 77 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	When I first placed my order for my civic they told me about the GAP insurance which I agreed to having, they told me it was £399 payable over 12 months interest free. I picked the car up 12 weeks later and the GAP insurance wasnt mentioned and I didnt have no written proof of me buying it so I checked on the internet. It quoted me £164, so I went with that, got a phone call from Honda about 2 weeks later asking for the cash for it. I told them I had already bought it from somewhere else and they didn't sound happy. but if I had an accident in those 2 weeks I wouldn't of been able to claim....that soon shut him up

22nd August 2006, 07:56	#5 (permalink)
allan40alt Supporter Civinfo guru Join Date: 6th August 2006 Location: Rugby, Warwickshire. Posts: 2,255 Thanks: 12 Thanked 33 Times in 31 Posts iTrader: (0)	Glad to have been of, er, service.

24th August 2006, 22:25	#6 (permalink)
civicsport Mr. Foglights Locking Wheelnut Join Date: 16th June 2006 Location: Stockton-on-Tees Posts: 189 Thanks: 1 Thanked 0 Times in 0 Posts iTrader: (0)	Mine was £199. no haggling.

25th August 2006, 09:45	#7 (permalink)
Velocity Supporter Triangular Exhaust Join Date: 21st August 2006 Location: Rotherham Posts: 343 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Dealer has agreed to do mine for £175 when I pick up the car.

25th August 2006, 10:23	#8 (permalink)
zippybungle Valve Cap Join Date: 21st August 2006 Location: Belfast Posts: 41 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Great tip thanks - told my dealer I'd think about it but I've got a bit of bargaining power now thanks! It's a captive market here in Northern Ireland though so discounts are hard to get. The first dealer I went to made me a great "offer" of full list price for the Civic and all extras, and could only give me bottom book price less 800 quid for my part-ex.... oh and finance at 14.9% APR. Oh, they're losing their Honda franchise soon too I discovered a week later

25th August 2006, 16:06	#9 (permalink)
richierich Smell My Cheese! Rocketship door handle Join Date: 17th May 2006 Location: Bicester, Oxfordshire Posts: 1,847 Thanks: 0 Thanked 1 Time in 1 Post iTrader: (0)	Could you not get better APR with a car loan from a bank? But I guess then the dealers price would be worse. They make back any loss from discounts/part-ex on the interest.

25th August 2006, 16:12	#10 (permalink)
zippybungle Valve Cap Join Date: 21st August 2006 Location: Belfast Posts: 41 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	I just went to a better Honda dealer who matched the best bank APR and also gave me a good part-ex price and a bit of discount on the list price as well. Just wish I had my car now to drive! October seems a long way away....

29th September 2006, 19:51	#11 (permalink)
Dave Taylor Wheelnut Join Date: 5th September 2006 Posts: 54 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	My dealer would not match the £230 quote I got, they said it was £400 and out of that they only make £80. Collect mine next week so will buy it on line. Re Dave

30th October 2006, 18:10	#15 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,896 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	We now have a site sponsor - GAP insurance specialists click4gap. They have a full wide range of GAP products, so there's bound to be something there that interests you.

30th October 2006, 19:01	#16 (permalink)
Topcat Supporter Civinfo guru Join Date: 11th May 2006 Location: Middlesex Posts: 2,759 Thanks: 0 Thanked 9 Times in 9 Posts iTrader: (0)	That is good that you have a sponser, I just had a look at their site, its too late for me to buy a policy as the car has to be less than 3 months old

30th October 2006, 19:15	#17 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,896 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	I spoke to the director about this earlier, and they are putting together a policy which will protect your car, even beyond the 90 day policy limit.

30th October 2006, 19:54	#18 (permalink)
Topcat Supporter Civinfo guru Join Date: 11th May 2006 Location: Middlesex Posts: 2,759 Thanks: 0 Thanked 9 Times in 9 Posts iTrader: (0)	Oh wow thats good, I look forward to reading about that at a later date

30th October 2006, 22:23	#19 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,896 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	http://www.click4gap.co.uk/cgi-bin/t.cgi?a=428035 If you use that link, it will help this site out a lot! Full advertising and product information will be coming soon.

31st October 2006, 19:01	#20 (permalink)
Telboy Supporter Locking Wheelnut Join Date: 29th August 2006 Location: Luton Posts: 113 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Used them yesterday, very helpfull and efficiant