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Aug 1, 2005 2:10:54 PM

JZ: Pilot; Loc: London, UK , United Kingdom; Posts: 370, Gallery; Registered on: Feb 23, 2005

UK VRI - GAP insurance

Its getting to the time where I have to start sorting this stuff out. Have already got car insurance sorted with Direct Line (nearly Pounds400 cheaper), but am currently being offered VRI for Pounds500 by the dealership.

I would like to know if you UK folk bought a different VRI, and if so, where and for how much.

Many thanks

JZ

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Aug 1, 2005 2:16:16 PM

Ente: Senior; Loc: Germany , Germany; Posts: 781, Gallery; Registered on: Mar 24, 2005; Reply to: JZ

Re: UK VRI - GAP insurance

VRI = The recovery insurance which gets you the full car price back if the vehicle is written off by your insurance within the first 3 years?

It was offered to me and I actually liked it, but 1000 GBP was a bit steep for a distant possibility. Had I been offered the same cover for 500 GBP, I might have got it.

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Aug 1, 2005 2:34:57 PM

Rich C (UK): Veteran; Loc: Mortimer, UK; Posts: 1098, Gallery; Registered on: Jul 11, 2004; Reply to: Ente

Re: UK VRI - GAP insurance

Have a search via google or similar - some good reputable insurers offering this product for a lot cheaper than the dealers offer it. (Ask your OPC who's backing their product and then contact them direct)

Also be careful - two types of policy - one that will give you the difference between the insurance value and what you paid for the car, and others that give the differene between the insurance payment and what you OWE on the car. Two very different products and sometimes it's not too clear which is which.

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Aug 1, 2005 2:35:42 PM

boothy: Junior; Loc: UK; Posts: 102, Gallery; Registered on: Sep 9, 2004; Reply to: Ente

Re: UK VRI - GAP insurance

I was offered 3 years GAP insurance, by the OPC, for Pounds750. When I pointed out that my insurance coverd me for a new replacement in the first 12 months this magically changed to Pounds480. So I bought it.

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Aug 1, 2005 3:07:30 PM

wtsnet: Rennteam Pro; Loc: Bath, UK; Posts: 2430, Gallery; Registered on: Nov 19, 2004; Reply to: boothy

Re: UK VRI - GAP insurance

Quote:
boothy said:
I was offered 3 years GAP insurance, by the OPC, for Pounds750. When I pointed out that my insurance coverd me for a new replacement in the first 12 months this magically changed to Pounds480. So I bought it.

Damn! I didn't think to try that. Good one. I was offered (can't remember the price) but decided not to. I'm not a big insurance fan. I think it would have had to be a fair amount of damage (50%) to write the car off enough to be able to clam under this policy, and only in years 2 and 3, so I figured that the chances of that would have been resonably low. It's all a gamble, isn't it?

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Aug 2, 2005 9:19:41 AM

Jalf987: Newbie; Loc: UK; Posts: 13, Gallery; Registered on: Mar 23, 2005; Reply to: wtsnet

Re: UK VRI - GAP insurance

I got quoted Pounds800 by my OPC, got the cover for Pounds350 by shopping around online.

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Aug 2, 2005 10:56:47 AM

Delbox: Junior; Loc: UK; Posts: 109, Gallery; Registered on: Jun 16, 2005; Reply to: Jalf987

Re: UK VRI - GAP insurance

Some of the on-line policies severely limit the price paid for the car - particularly if it is new - and the maximum amount to be paid out in the event of a claim.

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