GAP Insurance - Civinfo
 
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post #1 of 14 (permalink) Old 26th September 2007, 23:55 Thread Starter
 
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GAP Insurance

Hello

How any of you taken GAP insurance out for your car?

My dealer has offered it to me from Honda for 395 for 3 Years cover upto 15,000. To cover the relacement cost difference if my car get written off.

Is that about the right price?

As I have seen it for sale at other sites for quit a bit less?

What do people think of GAP Insurance in General?

Regards
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post #2 of 14 (permalink) Old 27th September 2007, 00:17
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quite a bit of GAP discussion in the Buying section which is worth reading
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post #3 of 14 (permalink) Old 27th September 2007, 00:19
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You can probably get cheaper than that, I was offered £300 from honda, he came down a bit when I mentioned internet deals at around £130, but said the honda one was bells and whistles, and that it's more expensive because it is, or rather it's better because it's more expensive.
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post #4 of 14 (permalink) Old 27th September 2007, 00:31
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I was offered it for £350.
Didn't take it up, - as with all insurance, one can go on forever.
Am sure that there will be a company somewhere, who will be pleased to take your dosh to cover you against E.T. p--ing in your boot.
Have to draw a reasonable line for cover, whether it be house, car or "Er Indoors".
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post #5 of 14 (permalink) Old 27th September 2007, 03:37
 
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Definitely consider getting one, but not from Honda, as it very expensive.
A Civic (be it 1.8, 2.2 or Type-R) is unlikely to loose 15k in value over three years, so the 15k cover is a bit excessive and unnecessary. Look elsewhere for cover of 7.5-10k and there are deals to be had from 130.
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post #6 of 14 (permalink) Old 24th October 2007, 20:55
 
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When we ordered the R the dealer offered us the GAP insurance for £495 but when I refused and explained that due to having bad experience's with a BMW stealer ripping me off not once but twice he offered it to us for £250, needless to say we took it....
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post #7 of 14 (permalink) Old 24th October 2007, 21:10
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I've been offered it at 350. Dealer said you pay 175 up front and then pay the rest monthly over 10 months interest free. But its still a rip off at that price. I have been quoted about 160 elsewhere.

I'm not planning on having an accident so its a catch 22 situation. Its a bit like paying 625 for a warranty on a BMW Mini for a year and not using it! Grrr!
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post #8 of 14 (permalink) Old 24th October 2007, 21:37
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They wanted £350 from me too.
No way, at that price.
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post #9 of 14 (permalink) Old 24th October 2007, 21:58
 
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Believe me GAP insurance would have saved me a mint if I'd had it! Total loss and crappy insurance payout as usual as it is based on Glass's Guide. You should be able to get three year cover on a car less than 20k for about 130 to 160.
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post #10 of 14 (permalink) Old 24th October 2007, 22:58
 
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I have been looking too. Best quote I could find was the link below:

GAP insurance from HC For You

I intend to take out as I do a fair amount of mileage and know the car will loose value quicker.

HC underwrite a number of the policies offered by brokers and stealers
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post #11 of 14 (permalink) Old 25th October 2007, 11:03
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Quote:
Originally Posted by JIMBO7268 View Post
I have been looking too. Best quote I could find was the link below:

GAP insurance from HC For You

I intend to take out as I do a fair amount of mileage and know the car will loose value quicker.

HC underwrite a number of the policies offered by brokers and stealers
is that Hitachi as in the electronics company?
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post #12 of 14 (permalink) Old 25th October 2007, 14:25
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Originally Posted by matg View Post
is that Hitachi as in the electronics company?
Is it not Hitachi Capital who are a finance company with no connection to the electronics business. Usually find Hitachi Capital supplying the intrest free agreements in places like Goldsmiths etc.

I found a few good GAP providers via Auto Trader website if your wanting to have a look
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post #13 of 14 (permalink) Old 25th October 2007, 15:35
 
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I was offered Honda Finance GAP with my new civic. 395 for three years, including 'free' AutoGlym Lifeshine paint and interior finish. Checked on the web and found similar GAP for around 200, and Lifeshine from a valet company for about 180.
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post #14 of 14 (permalink) Old 25th May 2011, 13:18
 
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my GAP was 200
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