Discussion
Quote from OPC £899/3yrs back to invoice.......unlimited cover
On line quote an other £333/3yrs back to invoice......35k cover
Tyres /3yr £420
Alloy wheel/3yr £ 210
Interesting ......spoke to OPC who advised why diff in price.......If you claim an other they will deduct cost of tyres, alloys, scratch/dent, unless you have taken these out @ time of GAP, also you will need an indemnity ins. against online co. going bust !
Also if car is sold in 2yrs you will get 1yr back, & if you do claim you will get your w/off, loss excess back (£750) thru OPC
So if you compare like for like quotes - an other works slightly dearer!!..........or have I been told a version to sell me the OPC Ins ??
Has anyone had any experience of internet co's going bust, or trouble with claims ?
On line quote an other £333/3yrs back to invoice......35k cover
Tyres /3yr £420
Alloy wheel/3yr £ 210
Interesting ......spoke to OPC who advised why diff in price.......If you claim an other they will deduct cost of tyres, alloys, scratch/dent, unless you have taken these out @ time of GAP, also you will need an indemnity ins. against online co. going bust !
Also if car is sold in 2yrs you will get 1yr back, & if you do claim you will get your w/off, loss excess back (£750) thru OPC
So if you compare like for like quotes - an other works slightly dearer!!..........or have I been told a version to sell me the OPC Ins ??
Has anyone had any experience of internet co's going bust, or trouble with claims ?
JasonSteel said:
called them and they said it's complete nonsense - in the event of a write off they will pay for a replacement vehicle or top up to value of the car when bought (which ever is higher) up to the value i have insured.
there is no deduction made whatsoever for wheels, tyres or anything else and when i read through the policy at the time of purchase i didn't see anything that would make me think otherwise.
Jason, which company did you use for GAP?...........looks like OPC is telly Porkies !!there is no deduction made whatsoever for wheels, tyres or anything else and when i read through the policy at the time of purchase i didn't see anything that would make me think otherwise.
Heads up on GAP.......
I went with Saga car insurance for my Cayman......very competitive + includes- if new car & more than 60% damage or stolen, under 2yrs old & 12k mileage, then they will replace vehicle with same or refund FULL Invoice value of car.
Excess is only £150 although you lose this when claiming.
So I've saved a bundle on Gap, so will pay for tyre/Alloy insurance....................anyone got any recommendations ??
I went with Saga car insurance for my Cayman......very competitive + includes- if new car & more than 60% damage or stolen, under 2yrs old & 12k mileage, then they will replace vehicle with same or refund FULL Invoice value of car.
Excess is only £150 although you lose this when claiming.
So I've saved a bundle on Gap, so will pay for tyre/Alloy insurance....................anyone got any recommendations ??
Tim bo........
If this helps
4. New vehicle benefit If your vehicle is stolen and not recovered or is damaged and the cost of repair will be more than 60% of the manufacturer’s list price (including vehicle tax and VAT) at the time of the loss or damage, we will replace your vehicle with a new vehicle of the same make and model. If a vehicle of the same make and model is not available we will either: n replace your vehicle with a new vehicle of the same make and the nearest equivalent specification and value model; or n pay you the last manufacturer’s list price for your vehicle. If you request a cash settlement, and we agree, we will not pay more than the amount we would have paid if we had replaced your vehicle. We will only replace your vehicle if you and any other known interested parties agree. The vehicle being replaced will become our property.
Not included...........
Your vehicle if: n it is more than 24 months old from the date of first registration; or n you are not the first registered keeper; or n the vehicle mileage is more than 12,000. The 12,000 mile restriction does not apply to a loss within 12 months of your vehicle’s first registration.
If this helps
4. New vehicle benefit If your vehicle is stolen and not recovered or is damaged and the cost of repair will be more than 60% of the manufacturer’s list price (including vehicle tax and VAT) at the time of the loss or damage, we will replace your vehicle with a new vehicle of the same make and model. If a vehicle of the same make and model is not available we will either: n replace your vehicle with a new vehicle of the same make and the nearest equivalent specification and value model; or n pay you the last manufacturer’s list price for your vehicle. If you request a cash settlement, and we agree, we will not pay more than the amount we would have paid if we had replaced your vehicle. We will only replace your vehicle if you and any other known interested parties agree. The vehicle being replaced will become our property.
Not included...........
Your vehicle if: n it is more than 24 months old from the date of first registration; or n you are not the first registered keeper; or n the vehicle mileage is more than 12,000. The 12,000 mile restriction does not apply to a loss within 12 months of your vehicle’s first registration.
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