[NISFAN]

Originally Posted by zorroone

My Insurance broker suggested going with a good insurance and no need to pay for GAP. i.e. Aviva pay full cost of car if it's a total loss in the first 12 months

Yep.....and year 2?

[Captain Cow Pat]

Originally Posted by zorroone

My xdrive330d(with adaptive M Sport Suspenison sort of) scheduled for BW13 (25 March). Delivery, mid to end April.

Awaiting the release of the M Performance parts in March to get the rear diffuser, so happy to wait.

That's really quick.

[Captain Cow Pat]

Originally Posted by NISFAN

Hi CCP

The £30k limit that GAP pays out is only on the shortfall, which makes it a hell of a lot of cover. GAP is a must if it is your car.

I got confused. I thought that it meant total, not fill the GAP. OOPS!!!

It will be my car. Bought with some money left to me by my now dead parents. So it's a car to keep forever, that's why its fully loaded and a bespoke colour.

[davyk31]

GAP is a must if its your own cash but even more important if its leased or on borrowed money. If you have a loss you could be caught for remaining payments and your insurance settlement is likely to be low. GAP puts you right back to total car value so it its needed say in year three you get back to full new value for a premium of £150 approx.

Correct that a lot of insurers pay full value in year one, thats why you can buy gap policies that don't kick in until end of year one.

[zorroone]

Originally Posted by Captain Cow Pat

That's really quick.

Yes, initially I was told May but the indications are April. However I will wait until March for the first production to see how it goes as it can move back or forward.