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ALA GAP Insurance - 25% Off
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ALA GAP Insurance - 25% Off

32
Posted 12th Nov 2018

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GAP insurance for your new/used vehicle (up to 10yrs old). Don't pay heavily inflated dealership prices. Instead go to ALA.co.uk for a quote and use the code above for 25% off.
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32 Comments
Unless they have inflated the price ALA is a very good company with a fair price for the services they offer WAY cheaper than dealers.
Cold on the basis it is pointless
cheese6812/11/2018 19:57

Cold on the basis it is pointless


Can you explain why it is useless? What do you think it is and why you wouldn't have use for it?

If you pay, for example, £20k for a car and it's written off, this policy gives you the difference between your insurance payout and the £20k you paid. And that would be useless?
Edited by: "Stoofa" 12th Nov 2018
cheese684 m ago

Cold on the basis it is pointless


I love the internet
How is this useless ? We are leasing a brand new car and wouldn’t do it with out this !!
Stoofa12/11/2018 19:58

Can you explain why it is useless? What do you think it is and why you …Can you explain why it is useless? What do you think it is and why you wouldn't have use for it?If you pay, for example, £20k for a car and it's written off, this policy gives you the difference between your insurance payout and the £20k you paid. And that would be useless?


if there wasnt a dfference between the insurance pay out maybe?
Stoofa12/11/2018 19:58

Can you explain why it is useless? What do you think it is and why you …Can you explain why it is useless? What do you think it is and why you wouldn't have use for it?If you pay, for example, £20k for a car and it's written off, this policy gives you the difference between your insurance payout and the £20k you paid. And that would be useless?


Because (assuming it is more than 1 year old as you'd get a new car anyway) then you are getting back what the car is worth. Why insure for the difference? What's the point? Should I buy gap insurance for my pc, phone etc ie anything that depreciates? Maybe you do.
Be very very careful of these cowboys. They kept taking money out my account a year after I cancelled my policy.
Hi
I am thinking to leasing a car for the 1st time!!
Please someone explain me to about insurance!!
Does leasing car come with the insurance or I have to do insurance by myself or I can do insurance with my current insurance company?
Does it cost more than usual insurance or the same?
Thanks
dajambo18 m ago

if there wasnt a dfference between the insurance pay out maybe?


So your insurance will pay out what you paid for the car 2, 3 or 4 years later? Unlikely. This is a back to invoice policy. £170 for a 4 year policy.
cheese6812/11/2018 20:17

Because (assuming it is more than 1 year old as you'd get a new car …Because (assuming it is more than 1 year old as you'd get a new car anyway) then you are getting back what the car is worth. Why insure for the difference? What's the point? Should I buy gap insurance for my pc, phone etc ie anything that depreciates? Maybe you do.


You get back what the car is worth at the time. Average depreciation means your £20k car will be worth around £17k at year one. For around £45/year you would then get the additional £3k back.
zsm90112/11/2018 20:25

Hi I am thinking to leasing a car for the 1st time!!Please someone explain …Hi I am thinking to leasing a car for the 1st time!!Please someone explain me to about insurance!!Does leasing car come with the insurance or I have to do insurance by myself or I can do insurance with my current insurance company?Does it cost more than usual insurance or the same?Thanks



You still insure through your provider of choice, but take gap insurance to make up difference as Insurance companies are a nightmare in full payment and last thing you need is a 4-5k deficit to pay in the event of a total loss, you can also choose a value to cover your payments as your still liable for lease costs even when you write the car off

Some people charge a little more as the owner and registered keeper is a lease company not you but it’s usually negligible
Edited by: "gyro85" 12th Nov 2018
Stoofa12/11/2018 20:28

You get back what the car is worth at the time. Average depreciation means …You get back what the car is worth at the time. Average depreciation means your £20k car will be worth around £17k at year one. For around £45/year you would then get the additional £3k back.

Like I say, you may as well insure any depreciating item using this logic. It's worth £3k less as you have used it and got £3k's worth of use out of it. You get £17k back as it's worth £17k.
It's just another way insurance companies can sell you things you don't really need? Never insure anything you can afford to replace. And if you can't afford to replace you probably can't afford it in the first place.
cheese6812/11/2018 20:44

Like I say, you may as well insure any depreciating item using this logic. …Like I say, you may as well insure any depreciating item using this logic. It's worth £3k less as you have used it and got £3k's worth of use out of it. You get £17k back as it's worth £17k.It's just another way insurance companies can sell you things you don't really need? Never insure anything you can afford to replace. And if you can't afford to replace you probably can't afford it in the first place.


A return to invoice policy pays out the figure on the original invoice, not what the car is worth at the time. I'm guessing you don't believe in home insurance either?!
cheese686 m ago

Like I say, you may as well insure any depreciating item using this logic. …Like I say, you may as well insure any depreciating item using this logic. It's worth £3k less as you have used it and got £3k's worth of use out of it. You get £17k back as it's worth £17k.It's just another way insurance companies can sell you things you don't really need? Never insure anything you can afford to replace. And if you can't afford to replace you probably can't afford it in the first place.


I think it's quite nice that you believe in insurance companies enough that you think you'll actually get the full going rate for your car should the worst happen. The internet is littered with the stories of people out of pocket on a write off.
Anyway, the deal is what it is - back to invoice GAP for less than £45 year. Take ya choices.
andyb8312/11/2018 20:48

A return to invoice policy pays out the figure on the original invoice, …A return to invoice policy pays out the figure on the original invoice, not what the car is worth at the time. I'm guessing you don't believe in home insurance either?!


Most people can't afford to replace their house.
Be aware Gap insurance is nearly useless for the first 12 months on a new car and you are the first registered owner as you

Your car is less than 12 months old and you’re the first registered owner as your full comprehensive insurance should (as mine does) offer
Brand new car replacemrnt.

Most fully comprehensive car insurance policies offer brand new car replacement during the first 12 months of ownership.

However, be careful to read the terms and conditions of your policy for any restrictions or exclusions.

Some policies will not offer new-for-old where the car:

has been stolen, or
is subject to an accident where the insured is at fault.
You’re already covered by your finance agreement
If you’re using a finance agreement that already covers you for the difference between the ‘book price’ (official value of the car) and how much you paid, you don’t need to add GAP insurance
gyro851 h, 11 m ago

You still insure through your provider of choice, but take gap insurance …You still insure through your provider of choice, but take gap insurance to make up difference as Insurance companies are a nightmare in full payment and last thing you need is a 4-5k deficit to pay in the event of a total loss, you can also choose a value to cover your payments as your still liable for lease costs even when you write the car offSome people charge a little more as the owner and registered keeper is a lease company not you but it’s usually negligible


Thanks for the advice.
Thanks for adding op, saved me 70 quid from VWs Gap quote on my new pick up
nwressell1 h, 6 m ago

Be aware Gap insurance is nearly useless for the first 12 months on a new …Be aware Gap insurance is nearly useless for the first 12 months on a new car and you are the first registered owner as you Your car is less than 12 months old and you’re the first registered owner as your full comprehensive insurance should (as mine does) offer Brand new car replacemrnt.Most fully comprehensive car insurance policies offer brand new car replacement during the first 12 months of ownership.However, be careful to read the terms and conditions of your policy for any restrictions or exclusions.Some policies will not offer new-for-old where the car:has been stolen, oris subject to an accident where the insured is at fault.You’re already covered by your finance agreementIf you’re using a finance agreement that already covers you for the difference between the ‘book price’ (official value of the car) and how much you paid, you don’t need to add GAP insurance


What type of finance? Me and my partner both are on PCP and they would not cover the difference, so if we wrote a car off we would be left with paying the finance off and the amount the insurer would give would not cover that. GAP then pays off anything that’s left
cheese681 h, 30 m ago

Most people can't afford to replace their house.


Also houses are one of those things that actually increase in value and not depreciate like cars etc
cheese6812/11/2018 21:01

Most people can't afford to replace their house.


In the same way a lot of people couldn't afford the negative equity in their car if it was written off or stolen.
andyb8313/11/2018 06:01

In the same way a lot of people couldn't afford the negative equity in …In the same way a lot of people couldn't afford the negative equity in their car if it was written off or stolen.


You obviously didn't read my comments in full then. Living somewhere is not optional. Buying a new car is. If you cannot afford it, don't buy it.
cheese6813/11/2018 06:11

You obviously didn't read my comments in full then. Living somewhere is …You obviously didn't read my comments in full then. Living somewhere is not optional. Buying a new car is. If you cannot afford it, don't buy it.


Protecting against potential loss is sensible. It's nothing to do with whether or not you could afford to replace it.
andyb8313/11/2018 06:15

Protecting against potential loss is sensible. It's nothing to do with …Protecting against potential loss is sensible. It's nothing to do with whether or not you could afford to replace it.


Like I say, insure every depreciating asset you have then.
cheese6830 m ago

Like I say, insure every depreciating asset you have then.


Pretty much nothing else depreciates as much as a car.

Other than a house, a car is likely to be the most expensive thing someone owns.

Buying a laptop or phone that might lose a couple of hundred value is not the same as a car that loses thousands. These items are also more likely to be affordable to replace.

Someone might be able to afford a car, but not afford to replace it like for like if something happens to it. That doesn't mean they can't afford it in the first place - they just can't necessarily afford to replace it if something happens.

And people can buy insurance for whatever they want without needing to buy it for everything else too. Some people clearly think this is worth it, while it isn't for other items (likely for my reasons above).
Not sure why anyone would question this for the price it costs, think some people have their head stuck in the sand I know someone personally who bought a new car had it written off with a nice gap of around 8k which they are now paying back....good luck to people not taking this out personally I use gapinsurance.co.uk
isitnexttohim13/11/2018 13:27

Not sure why anyone would question this for the price it costs, think some …Not sure why anyone would question this for the price it costs, think some people have their head stuck in the sand I know someone personally who bought a new car had it written off with a nice gap of around 8k which they are now paying back....good luck to people not taking this out personally I use gapinsurance.co.uk



I'm guessing that many people think we live in this perfect world where getting a car written off means you get a payout so you can go and get an identical one.
The problems with this are:

1. Your insurance company and yourself will disagree on this value. You can argue with them sure, but all the time you don't have a vehicle.
2. You will never find a car "as good" as the one you lost. That one was owned by you and you'll have driven it carefully etc. If your car is say 3-4 years old, it'll be a minefield out there.
3. At some point on anything 1yr+ you are almost certainly going to end up out of pocket. As much as you want insurance to be fair, it isn't. This policy doesn't just fill the gap between your payout and you being able to buy a good example, similar car. This policy gives you the difference between the payout and what you paid for it in the first place.

I've just paid £170 (£42.50/year) for a 4yr policy on a 1yr old car. So up until the car being 5yrs old, should the worst case situation happen and it gets written off, I'm back to where I was before I bought it.

To me, that is good value. If you risk adverse, cannot see why you'd simply walk away or say it's useless.
Stoofa4 m ago

I'm guessing that many people think we live in this perfect world where …I'm guessing that many people think we live in this perfect world where getting a car written off means you get a payout so you can go and get an identical one.The problems with this are:1. Your insurance company and yourself will disagree on this value. You can argue with them sure, but all the time you don't have a vehicle.2. You will never find a car "as good" as the one you lost. That one was owned by you and you'll have driven it carefully etc. If your car is say 3-4 years old, it'll be a minefield out there.3. At some point on anything 1yr+ you are almost certainly going to end up out of pocket. As much as you want insurance to be fair, it isn't. This policy doesn't just fill the gap between your payout and you being able to buy a good example, similar car. This policy gives you the difference between the payout and what you paid for it in the first place.I've just paid £170 (£42.50/year) for a 4yr policy on a 1yr old car. So up until the car being 5yrs old, should the worst case situation happen and it gets written off, I'm back to where I was before I bought it.To me, that is good value. If you risk adverse, cannot see why you'd simply walk away or say it's useless.


100% agree, as an example i was looking at leasing an 130n, predicted value after 3 years by an hyundai dealer was 11k...imagine that after paying 28k for it...in the real world you would really hope that 11k is way off!
cheese6817 h, 12 m ago

Like I say, you may as well insure any depreciating item using this logic. …Like I say, you may as well insure any depreciating item using this logic. It's worth £3k less as you have used it and got £3k's worth of use out of it. You get £17k back as it's worth £17k.It's just another way insurance companies can sell you things you don't really need? Never insure anything you can afford to replace. And if you can't afford to replace you probably can't afford it in the first place.


Are you serious? For £100-200 you can insure your self for a complete write off !! My mate had his car written off and he got £11k for his car. The company wanted 18k so he paid £7k out his own pocket to the lease company. If he had gap insurance he would not have paid a penny other than the premium !!
I don't lease either...
SEAT wanted to charge £399 for a back to Invoice GAP policy.
I got it for £208 through ALA with the MSE25 code. Just a shame you can't also use Quidco
Did a fair bit of research before hand and these are the top rated provider.
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