Hello from ALA Insurance!

Hello from ALA Insurance!

Author
Discussion

Damien1984

3 posts

5 months

Saturday 31st August 2019
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Hi, unfortunately my 335d was written off earlier this month.
How long does it normally take to get a settlement from the gap once the car insurance claim has been settled?

Many thanks

Damien

ALA Insurance

Original Poster:

175 posts

59 months

Monday 2nd September 2019
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Hello Damien

Thank you for getting in touch and thanks for popping me an email as well.

I hope my email reply helped but if you have any other queries please let me know.

Thanks,
Katie





S7uey

6 posts

101 months

Monday 9th September 2019
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ALA Insurance said:
Hi S7uey

Thanks for getting in touch and I'm sorry for any confusion!

We are in the process of arranging extended warranty with a new supplier and we're hoping to have this available soon - it does unfortunately mean we can't quote at the moment however if you would like me to contact you once it's available please feel free to pop me an email (katie@ala.co.uk) with your details.

Thanks,
Katie
Hi Katie, I notice you now have the RAC extended warranty for cars. Is this as good as your previous offering?

Regards

Stu

ALA Insurance

Original Poster:

175 posts

59 months

Tuesday 10th September 2019
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Hi Stu

Thank you for getting in touch.

The terms of the cover are very similar to what we offered previously - there is of course the added bonus of a recognisable, trusted brand in the form of the RAC thumbup

Within all of the policies we offer, there is no policy excess, no waiting period or pre inspection and the claim limit on the policy is always the market value of the vehicle.

The prices are extremely competitive as well! woohoo

For yourself and anyone that would like any more information you can have a look at the website - https://www.ala.co.uk/warranty/ (which provides copies of policy documents) and if you have any questions at all please let me know.

Thanks,
Katie

aea730

284 posts

144 months

Wednesday 11th September 2019
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Hi my daughter is buying a new VW T - Roc on a PCP. It’s some way from delivery. The dealer quoted £350 gap. We told them we didn’t want to proceed with them. They did try to press it saying it was a 5* rated package etc.
Would any gap package you offer be to the same standard as the VW one. Also when, relative to delivery of the new car, are we best to sort out gap with you

ALA Insurance

Original Poster:

175 posts

59 months

Thursday 12th September 2019
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Hi aea730

Thanks for getting in touch.

It's always tricky for us to say whether our GAP insurance is exactly the same as the dealers as each one may use a different supplier, and we don't get to see their terms. However more often than not our policy is the same (and sometimes better!) they usually just charge much higher premiums!

One thing to mention is that they do often only offer one type of policy; with ours you can have a choice of cover and policy term etc so you're not just getting a one-size-fits-all policy. You can also view our policy documents online before purchasing to check through T&Cs, whereas the dealers don't normally provide you with this in advance.

In terms of taking out the GAP insurance, once you have a confirmed delivery date you can arrange the policy at that point to start on that date.

I hope this helps - if you have any other questions at all please let me know. You're welcome to contact me directly by email if you prefer katie@ala.co.uk

Thanks,
Katie

hotcfdog

1 posts

Monday 13th January
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Hi,

I have just bought a used 2016 Mercedes.

I have bought the car with a bank loan, as the rate was cheaper overall than a PCP and if my circumstances change I would like to be able to sell the car. Can someone help me with the difference between the cover with real-life examples:

Cover 1 Vehicle Replacement Cost +

Purchase price £20,000
Cost when new £32,000

Cover 2 Back to invoice plus

Purchase price £20,000

I'm just trying to work out which cover would pay off my loan, so I could walk away with no debt in the case of write off.

Cheers,

ALA Insurance

Original Poster:

175 posts

59 months

Tuesday 14th January
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Hi hotcfdog

Thanks for your message!

If your car has been bought using a personal loan, and so isn't attached to the vehicle, we simply treat this as you owning the car outright.

This means that if you purchase the Back to Invoice + we would pay the difference between your insurer's payout and the cash price of the car i.e. £20,000. You can then choose to pay off the remaining balance on the loan, or continue to pay the loan and use the settlements from the insurer and the GAP to buy a new car outright.

With the Vehicle Replacement + policy, it doesn't cover the cost of a brand new car but rather one matching the one you originally purchased i.e. same make, model, specification, age and mileage as the one you've just purchased.

With this the GAP insurance settlement would be paid directly to a garage for the replacement car and you would use the insurer's settlement to pay the balance.

I hope this information is useful and if you have any other questions please let me know.

Thanks,
Katie

Luigidon

5 posts

26 months

Hi there
Thinking of getting Gap insurance but can you tell me whether your policies provide cover for cars that have been modified, specifically, upgraded exhaust system.

Thanks
Lawrence

ALA Insurance

Original Poster:

175 posts

59 months

Hi Lawrence

Thanks for your message and sorry for the delay in getting back to you.

We do have two different providers for our cover - one of them does exclude any modifications completely, however the other does not have these restrictions, however they don't cover the cost of the modifications.

If you would like me to provide you with a quotation on this basis, please feel free to pop an email to me katie@ala.co.uk with the details and I'll be happy to help.

Thanks,
Katie