Promoted: Free 30-day GAP policy for PHers with ALA

[ALA Insurance]

Hi R2T2

Thanks for the question

The tyre policy does cover damage caused by a nail in the tyre, as well as damage from other road debris, kerbing, pot holes and malicious damage.

If you need a replacement tyre then we would be looking at replacing the tyre new-for-old, which means that we would never replace a premium brand tyre with a budget tyre.

I hope this helps and if you would like any other information please let me know.

Thanks,
Katie

[ALA Insurance]

Hi R2T2

If you're looking at the Tyre insurance without the GAP cover, but have owned the car for more than 180 days, the best thing to do would be to contact the office to purchase the policy. It would take us around 5-10 minutes to process the order for you.

The office number is 01653 916304 or you would be more than welcome to use my direct number 01653 916301.

I hope this is OK and doesn't cause too much inconvenience. Please let me know if I can help with anything else

Thanks,
Katie

[ALA Insurance]

Hi EnthusiastOwned

Don't worry! If you would like to email me with your GAP policy number, name DOB and postcode (email address [e-mail]) I can look into this for you.

Thanks,
Katie

[ALA Insurance]

Hi oilandwater

Thanks for your enquiry

If the company motor trade policy pays out the retail value of your car in the event of a total loss, rather than trade value only, then we would be able to provide you with GAP cover.

If you would like a quote or any other information, please let me know.

Thanks,
Katie

[ALA Insurance]

Hi oobster.

Thank you for your enquiry

With you receiving a discount a Vehicle Replacement GAP policy would be better for you as there is no guarantee that you would receive those discounts again and you also have inflation working against you. So in summary the amount you receive from your Vehicle Replacement policy will pay back up to the replacement cost of your vehicle rather than just to the price you originally paid for it.

If you require any further information please do not hesitate to contact me.

Thanks, Dawn

Edited by ALA Insurance on Monday 27th July 13:48

[ALA Insurance]

Thanks bassett! Glad we could help

[ALA Insurance]

Hi TonyFS5

I'm very sorry, it looks like we missed your post but hopefully I can help with this now.

If you haven't already spoken to us about your query, we do offer a policy transfer. This means that if you change your car before the policy ends we would give you a proportionate rebate of unused premium (calculated daily) and use it as a discount against a brand new policy on the new car. There are no admin fees to pay to do this, you would only need to pay the balance for the new policy, if any.

I hope this helps, please contact me either on here or directly if you would like to get this arranged or you have any questions

Sorry again for not getting to you sooner.

Thanks
Katie

[ALA Insurance]

Hi oobster

I'm sorry we didn't get an answer to your query sooner!

Although it can seem like a good thing that your insurer offers new for old in the first year, we have been made aware by customers of instances where the insurer still only pays market value. For example, this might be where the car has been stolen rather than written off in an accident or if a replacement can't be sourced within a certain period of time.

As this is a risk we would suggest having your GAP policy running alongside and also our GAP policies must be purchased within 180 days of the delivery date of your car. We do appreciate this is a bit of a belt and braces approach but if your car is written off in year one and your insurer does settle new for old, we would give you a brand new policy, the same as the original, free of charge, as you've not needed to use it.

Whichever policy you choose to purchase from us, our payment is always direct to you rather than a dealer, even with the Vehicle Replacement GAP.

Very sorry again that we missed this but any other queries please give me a shout

Thanks,
Katie

[ALA Insurance]

Morning Dave,

Sorry about that. I think you may have picked up a cookie which stops you entering the code - could you have clicked on a link which brought you to us via a cashback site?

If you have, the system can't process two lots of discount or a discount and cashback, but if you clear your cookies you'll be able to quote using the PISTON12 code, although you will need to fill in the order again.

I can see the pending policy, so if it's easier I can give you a call? Please just send your number to [e-mail] and I'll get in touch whenever is best for you

Sorry again, if there's anything else please let me know.

Thanks,
Katie

[ALA Insurance]

That's great, thanks Dave.

Glad that helped again anything else I can help with please let me know!

Katie

[ALA Insurance]

Afternoon all you lovely PHers!

ALA POLICY UPDATE!

We just wanted to let you know that we've made a couple of exciting changes to our policies!

You can now buy one of our GAP policies up to 365 days after you have taken delivery of your car. It used to be 180 days but we wanted to give a bit more flexibility, particularly if you have new-for-old from your insurer for 12 months, you are happy that cover will do exactly what it says, and you don't want to have two lots of cover for the same thing.

Or, maybe you don't have new-for-old, you just forgot to buy it!

In some cases we'd still suggest having the GAP policy running alongside (as some insurers might not do new for old if the car is stolen rather than written off in an accident) but we're happy to be able to give you that choice

Even better, we can now extend a GAP policy for 12 months when it has expired. This is a maximum add-on rather than the insurance being annually renewable but means that where you end up keeping the car longer than you originally planned you don't have to be without cover. This applies even if your original GAP policy was not with us but maybe bought through the dealer.

As always if you have any questions about these changes or any of our policies, please just give me a shout!

Thanks,
Katie

[ALA Insurance]

Hi woolyjoe

Thanks for getting in touch

The GAP insurance can be taken for between 1 and 5 years, and this usually just depends on how long you think you'll keep the car.

As this can sometimes be a bit of an unknown, if you buy a 3 year policy (for example) but change the car after 2 years, the remaining year is transferrable to a new policy as a pro rata credit amount. There's just the balance to pay for the new policy, no admin fees.

If you end up keeping the car slightly longer than originally planned, you have the option to extend the policy (but only for a maximum of 12 months).

I hope this helps but if you have any other queries please let me know.

Thanks,
Katie

[ALA Insurance]

Hello juggsy,

Thanks for your query

If the car is written off the leasing company normally ask for the market value of the car and up to 100% of the outstanding payments for the car. Depending upon the terms of your contract, we would normally base the claim limit of the policy on the total outstanding payments under the contract, plus a little bit extra to top up your motor insurer's settlement (this is where the leasing company expect a higher figure for the market value of the car than the amount given by the insurer).

I'd suggest a claim limit of £10,000 to ensure you're covered for the two things mentioned above, this is assuming your leasing company could ask for all of your payments (rather than 50% for example).

They shouldn't ever ask for the cost of the car as new, as they would only ever receive market value for the car at the end of the contract when you hand it back, but please check this on your own agreement to be certain.

I hope this helps but if you have any other questions please let me know.

Thanks,
Katie

[ALA Insurance]

Hi all,

Just a couple of videos about GAP insurance that some of you might find useful or just mildly distracting!

http://www.pistonheads.com/tv/film/avoid-dealer-ri...

http://www.pistonheads.com/tv/film/what-is-gap-ins...

As always, any questions at all please let me know!

Thanks,
Katie

[ALA Insurance]

Hello Flibble,

I'm very sorry to hear that things aren't going as smoothly as they could be with your claim and I'm glad you've brought it to our attention. I'd really like to get things moving for you and speak to the claims administrators to see why things are being held up.

Please would you send your policy details to [e-mail] or give me a call on my direct number 01653 916301 and I'll get straight onto sorting this for you today.

I look forward to hearing from you,
Katie

[ALA Insurance]

I'm so glad we could get this sorted for you

It was unfortunate that there was a slight delay (due to standard compliance procedures, in this case).

Please let me know if I can help with the new GAP quote although fingers crossed lightning wouldn't strike twice!

Thanks,
Katie

[ALA Insurance]

Hello mike456

I'm sorry to hear about your car and hope that you're ok following the accident.

I'm glad to hear the claim is progressing well - if we can help at all, please don't hesitate to get in touch.

Thanks,
Katie

[ALA Insurance]

Hi noob17

Thanks for the enquiry

As the car is on a personal lease (i.e. not a PCP with an optional balloon payment at the end of the term) we would need to look at a Contract Hire + policy.

If the car is written off during the term of the agreement, we would be covering the up to 100% of the outstanding rentals on the car, and topping up the market value settlement from the insurer if required.

If you would like a quote please let me know the estimated list price of the car, and monthly rental cost - please feel free to send this to [e-mail].

Any other queries please let me know.

Thanks,
Katie

[ALA Insurance]

Hi mike456,

Many thanks for your update, I'm glad this was sorted for you.

Thank you for your patience with the claim process and we are always grateful for any feedback you can give to us.

If there's anything else, please let me know

Thanks,
Katie

[ALA Insurance]

Hello and Happy New Year to all PHers

We thought it might be useful to give as much information as we can to current and potential PH customers about claims.

For example, the usual method of payment by the claims team is cheque - a little bit outdated, we know!- but this is stipulated by the underwriter.

We know it can be frustrating when there is a delay in the payment of the GAP settlement. The claims team make payments every Thursday so, as long as they have the documentation they need as part of the claim process (including confirmation of the settlement from your insurer) you should normally receive your cheque the following week.

In some cases there can be instances where further authorisation is needed from the underwriters, which may mean your settlement is received slightly later than it would be normally - however we would never expect your payment to take more than a few weeks so please let us know if you experience that kind of delay.

If anyone has any questions about the claims process - or anything else about our policies- as always, please let me know.

Thanks,

Katie