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The Insurance Zone Want to insure your ride but not sure of wheres best.. Well, put a post here and others should be able to help!

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Old 25-02-2018, 04:34 PM   #81
Nanoman
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Originally Posted by MDC250 View Post
Would it be any different between a new and pre owned car?
No, whatever you pay on the invoice.

I just bought a 2009 GS450h for £9k. £280 got me a GAP policy that will take it back up to £9k if it's written off any time in the next 5 years from https://www.pistonheadsgap.co.uk/ it's a no brainer.
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Old 25-02-2018, 07:14 PM   #82
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Originally Posted by Nanoman View Post
No, whatever you pay on the invoice.

I just bought a 2009 GS450h for £9k. £280 got me a GAP policy that will take it back up to £9k if it's written off any time in the next 5 years from https://www.pistonheadsgap.co.uk/ it's a no brainer.
so even if ur cars written off in 4.5yrs time and insurnace pay out 3k, the insurnace will make it up to 9k?

what about if you 'happened' to have it stolen and burnt out?!
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Old 25-02-2018, 07:22 PM   #83
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Originally Posted by kingswood View Post
so even if ur cars written off in 4.5yrs time and insurnace pay out 3k, the insurnace will make it up to 9k?

what about if you 'happened' to have it stolen and burnt out?!
You'd be playing a very dangerous game that could see you in very serious trouble.
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Old 25-02-2018, 07:30 PM   #84
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You'd be playing a very dangerous game that could see you in very serious trouble.
Yup. Thought never crossed my mind. LoL.

I'm not stupid enough to do that but I did think that with a car like that, any minor prang is going to result in a write-off so it's well worth having the RTI GAP for that price.
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Old 25-02-2018, 08:11 PM   #85
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Originally Posted by andy665 View Post
If you get an RTI GAP policy you will get back what was on the invoice, less accessories and RFL

I use these guys and they seem to include accessories etc.

https://www.gapinsurance.co.uk/polic...ranceTerms.pdf
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Old 07-03-2018, 01:47 PM   #86
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I'm struggling badly to find a replacement.

There is currently only 1 facelift Cooper S in the classifieds and a deposit has held the car before the car even arrived at the dealer. I had enquired, but didn't put a deposit down as the dealer hadn't even assessed the car yet and had the mileage wrong on their description.

There's 3 Works S. One is a dog and at a Mini dealer. One has reasonable spec, but is overpriced.

The other has lovely spec, but £16,000 for a 6 year old Mini? They are having a laugh. It's not even mint condition either as has a few bashes and scrapes. Two years, two owners and 30,000 miles ago it sold for less than £13,000.

I think a plan B is needed.


Edit....There is now only 1 Works S. The £16k one.

Last edited by Kerr; 07-03-2018 at 01:50 PM.
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Old 12-03-2018, 11:26 PM   #87
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I thought GAP insurance was only to top your insurance up to the original price you paid for your car. In the event of a write off and you haven't got GAP my understanding is that your insurance pay out a fair amount for you to go out and buy a car of the same model, spec, age, miles and condition. Unfortunately my Focus ST was written off many years ago and my settlement would have given me the option to buy a like for like car of the same age etc.
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Old 13-03-2018, 07:10 AM   #88
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Quote:
Originally Posted by Kerr View Post
I'm struggling badly to find a replacement.

There is currently only 1 facelift Cooper S in the classifieds and a deposit has held the car before the car even arrived at the dealer. I had enquired, but didn't put a deposit down as the dealer hadn't even assessed the car yet and had the mileage wrong on their description.

There's 3 Works S. One is a dog and at a Mini dealer. One has reasonable spec, but is overpriced.

The other has lovely spec, but £16,000 for a 6 year old Mini? They are having a laugh. It's not even mint condition either as has a few bashes and scrapes. Two years, two owners and 30,000 miles ago it sold for less than £13,000.

I think a plan B is needed.
Edit....There is now only 1 Works S. The £16k one.
your along way off from the £8500 they offered you. How are you getting along with the ombudsman
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Old 13-03-2018, 07:42 AM   #89
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Originally Posted by wish wash View Post
your along way off from the £8500 they offered you. How are you getting along with the ombudsman
They emailed yesterday to say they had the information requested from Admiral to start their investigation. They'd be in contact with me if they needed any further information.
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Old 13-03-2018, 08:41 AM   #90
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They emailed yesterday to say they had the information requested from Admiral to start their investigation. They'd be in contact with me if they needed any further information.
I'd keep feeding in information on cars for sale, movement in prices etc to the ombudsman - you have nothing to lose..
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