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Don't go with ALA.

Their policy (like most) is single panel only. Look at how the F Pace is constructed, then ask yourself if you get a scrape is it likely to cross a panel. The answer is YES!

This is how they get out of paying out. Also if the damage extends over 15cm by even 1mm they will decline.

I did a lot of research on this!

I've gone with these guys https://www.gapinsurance.co.uk/scratch-and-dent-quote.asp

For £227 you get two panel cover. You can also upgrade further to a 20cm or 30cm area of damage.
 

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Discussion Starter · #5 ·
Thanks. I must admit I really liked the old cover I had on my XF but I was given that for free by the dealer. Was with some South African company but they just paid out time after time without any quibble.
 

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A lot of the cover is underwritten by the same company (MB&G) and repaired by the same company (Revive)

By the way I should say that ALA's GAP and Alloy Wheel cover is definitely market leading and I went with those .. just that their scratch and dent policy was single panel (like nearly all others)
 

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The only option in going for with the dealer is the alloy cover. It's the cheapest quote and it also covered the most number or total individual claims over the lifetime of cover.

Don't base your decisions solely on price, make sure you compare them apples
 

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Did not go with ALA they don't cover diamond cut 22 inch wheels and would not transfer remainder of policy from my RRS to the Fpace.
Went with Gapinsurance.co.uk better cover for Gap but took alloy and tyre insurance with the dealer they cover 22s diamond cut.
Loyalty means nothing now go for the best cover then haggle on the price it pays
 

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Yes DO haggle. I called up ala and got them to price match gap cover with someone else then talked them up with the amount covered
 

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Hi Jlrnumber5. Are you able to tell me which area size of damage you opted for? I'm looking at going for 30cm.
 

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I have a question about how much gap cover to buy...
I am about to take delivery of my new car - invoice price = £53K.
On ALA they suggest £30K cover but surely if my car is written off in year 1 then i have probably lost ~£15K max on the value so why would i buy £30K worth of cover?
 

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Thanks JLR.
And if i have a fully comp insurance policy that replaces my new car in the first year then i guess i should wait until year 2 before taking it out anyhow???
 

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Hi Davis

You have to take it out when you buy the new car but can defer the start date for 12 months. However check the terms of the policy with your insurer. I'm with Direct Line who offer a new replacement car if mine is stolen in the first year, however when I checked the small print this is only if a similar car is available in stock at a dealer in the UK, i.e. they won't place an order with Jag and wait 3-4 months. In the case of no suitable car being available Direct Line pays market value for the car, not full replacement value.
 

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^ so when I did a price comparison ALA were around 10-15% more than a number of other GAP insurers (those listed below) and after the 15% discount they were pretty much the same as the lowest price I'd been offered elsewhere. Since ALA will price-match suggest your best option is to look for the cheapest cover then give ALA a call.

http://www.gapinsurance.co.uk/

https://easygap.co.uk/

https://gapinsurance123.co.uk/
 
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