UK GAP Insurance

Barbyboy · 11-07-2018, 06:17 AM

Aware that GAP Insurance purchased independently of BMW dealerships is invariably much cheaper, can anyone help with benchmarking whether £319.00 for three year's cover on a Back-To-Invoice policy for a new X3 M40i seems reasonable? Cheers.

MarkyM · 11-07-2018, 06:43 AM

I took mine out with ALA which was £370 for a 4 year replacement plus policy which also allows for price increases rather than just back to invoice value

My 2nd policy with them but never claimed, although they seemed to get good reviews

strike4A · 11-07-2018, 06:48 AM

£334 for me (4 years) for Replacement GAP which is better option than Invoice GAP.

Mine's through gapinsurance.co.uk - quote BBMW10 for 10% off (babybmw forum discount).

nrf12 · 11-07-2018, 07:26 AM

I chose car2cover combined GAP/RTI. GBP 236.00 for 4 years. Cover seemed pretty comprehensive to me, none of the common exclusions (no market value clauses for the RTI cover, and it covered factory fitted options and dealer fitted accessories). Did some research for customer satisfaction and came out pretty clean (they all have some dissatisfied customers). They do have a more expensive option if you want cover up to current retail value, if I recall correctly.

verysideways · 11-07-2018, 02:45 PM

I got mine through ALA, for 4 years replacement cover for my heavily spec'd M40i I paid just over £300 using the discount code MSE25

I did plenty of research and ALA seem to have a good reputation.

Barbyboy · 11-09-2018, 02:36 AM

Thanks Chaps.
For the record, that quote was with ALA too so think I'll proceed.
Car has just arrived at the dealership so am picking up next week.
Whoop. Whoop.

MediaMan · 11-09-2018, 06:56 AM

Hello all.
I've just got an ALA policy too. With a 10 month old X3, don't want to be out of pocket should the worst happen. Saved more that £250 on what dealer quoted

What I did find odd - or maybe not as I didn't buy any add-ons - had the car 8 weeks and not one call from the dealer asking if I was getting on OK/was I pleased etc.... on a £40k plus car..... talk of lack of customer service.

Having had a Mini in the family for years, my local BMW/Mini dealer (not same as where I bought X3) always calls to check I was happy with their services.

11-07-2018, 06:17 AM	#1
Barbyboy Enlisted Member 22 Rep 34 Posts Drives: Wife mad, X3 M40i now arrived Join Date: Sep 2018 Location: Northants iTrader: (0)	UK GAP Insurance Aware that GAP Insurance purchased independently of BMW dealerships is invariably much cheaper, can anyone help with benchmarking whether £319.00 for three year's cover on a Back-To-Invoice policy for a new X3 M40i seems reasonable? Cheers. __________________ Currently driving: Wife mad + BMW X3 M40i Currently own: Mad wife + other cars
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11-07-2018, 06:43 AM	#2
MarkyM Major 382 Rep 1,054 Posts Drives: X3 M40i Join Date: May 2018 Location: UK iTrader: (0)	I took mine out with ALA which was £370 for a 4 year replacement plus policy which also allows for price increases rather than just back to invoice value My 2nd policy with them but never claimed, although they seemed to get good reviews
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11-07-2018, 06:48 AM	#3
strike4A Captain 513 Rep 914 Posts Drives: X3 M40i LCI Tanzanite Blue II Join Date: Mar 2009 Location: Bucks iTrader: (1)	£334 for me (4 years) for Replacement GAP which is better option than Invoice GAP. Mine's through gapinsurance.co.uk - quote BBMW10 for 10% off (babybmw forum discount).
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11-07-2018, 07:26 AM	#4
nrf12 New Member 6 Rep 10 Posts Drives: X3 2.0 petrol (G01) Join Date: Jun 2017 Location: London, England iTrader: (0)	I chose car2cover combined GAP/RTI. GBP 236.00 for 4 years. Cover seemed pretty comprehensive to me, none of the common exclusions (no market value clauses for the RTI cover, and it covered factory fitted options and dealer fitted accessories). Did some research for customer satisfaction and came out pretty clean (they all have some dissatisfied customers). They do have a more expensive option if you want cover up to current retail value, if I recall correctly.
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11-07-2018, 02:45 PM	#5
verysideways Lateral grip estimator 957 Rep 1,390 Posts Drives: i4, M2 Join Date: Jul 2011 Location: Cotswolds, UK iTrader: (0) Garage List 2023 BMW i4 Individual [7.83] 2010 Porsche 997.2 ... [0.00] 2002 Morgan Aero 8 [0.00]	I got mine through ALA, for 4 years replacement cover for my heavily spec'd M40i I paid just over £300 using the discount code MSE25 I did plenty of research and ALA seem to have a good reputation. __________________ '20 BMW M2 '23 BWM i4 Mora '10 Porsche 997 '02 Morgan Aero 8 http://petrolhead.tours
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11-09-2018, 02:36 AM	#6
Barbyboy Enlisted Member 22 Rep 34 Posts Drives: Wife mad, X3 M40i now arrived Join Date: Sep 2018 Location: Northants iTrader: (0)	Thanks Chaps. For the record, that quote was with ALA too so think I'll proceed. Car has just arrived at the dealership so am picking up next week. Whoop. Whoop. __________________ Currently driving: Wife mad + BMW X3 M40i Currently own: Mad wife + other cars
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11-09-2018, 06:56 AM	#7
MediaMan Private First Class 82 Rep 185 Posts Drives: X3 3.0dM, Phytonic Blue Join Date: Nov 2018 Location: SW Leicestershire, UK iTrader: (0)	Hello all. I've just got an ALA policy too. With a 10 month old X3, don't want to be out of pocket should the worst happen. Saved more that £250 on what dealer quoted What I did find odd - or maybe not as I didn't buy any add-ons - had the car 8 weeks and not one call from the dealer asking if I was getting on OK/was I pleased etc.... on a £40k plus car..... talk of lack of customer service. Having had a Mini in the family for years, my local BMW/Mini dealer (not same as where I bought X3) always calls to check I was happy with their services.
	Appreciate 0 Quote