For new cars you can get a rider/option on your insurance policy for "new car replacement." Which in the case of a total loss, the insurance company would replace your exact car. I believe this option is only available for 12-24 months from date of new car purchase.
Gap insurance applies when the replacement value of the car is less than the balance owed on your loan. In my opinion you wouldn't purchase GAP in this purchase scenario.
Sorry to get off topic OP.
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2015 M5 - Singapore Grey Metallic - Silverstone Full Merino Interior - Executive Pack - Drivers Assist Pack -Comp Pack -
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