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

[edc]

ALA Insurance said:

Hi everyone!

There are a number of codes available online at various times and if I can help anyone in relation to discount codes please get in touch. My email is [e-mail]

Thanks,
Katie

Are there any current offers for March?

[dnhc]

hi i ran a 5 year cover on direct gap 'back to invoice' when it ran out they allowed me a 3 year cover on 'back to agreed value' do you offer anything along those lines?

[interstellar]

Just buying this now as I am collecting a new car tomorrow. I’m struggling to see the difference between back to invoice plus and vehicle replacement plus

Back to invoice plus seems the better policy, but surprisingly it’s cheaper?

[ALA Insurance]

Hi dnhc

Thanks for getting in touch.

We do offer Agreed Value cover when the initial Back to Invoice Plus policy ends - this would be based on the Glass's Guide Retail Value of the car at the policy start date and can be bought for cars less than 10 years old with fewer than 100,000 miles on the clock.

Our maximum term for Back to Invoice Plus cover is 4 years; there are 5 year policies available from other providers however we would always suggest checking the T&Cs as the cover can change in the final year and may not be beneficial. Our policy would cover up to the invoice price for the full 4 years.

I hope that helps and if you need any further information at all please let me know.

Thanks,
Katie

[ALA Insurance]

Hi interstellar

Thanks for your message.

I'll run through the differences between the two policies, and "better" is always a bit subjective dependent on individual circumstances - with some examples this will hopefully become clearer.

Back to Invoice Plus: this pays up to the original cash price you paid for the car (so it is to a fixed amount) and the settlement is paid to you to use as you wish.
E.g. You paid £20k for your car, it's written off and your insurer pays £10k so the GAP insurance pays the other £10k.

Vehicle Replacement Plus - pays up to the cost of replacing your car a) as it was when you first bought it, and b) at the "current" cost. The GAP settlement is paid to a supplying dealer.
For example, your car was £20,000 and brand new when you bought it however it's written off after 2 years and the equivalent brand-new car is £23,000 at that point. If your insurer pays £10k, the VR+ policy would pay £13k to cover up to the new vehicle cost.

One thing to mention which applies to both - if you have finance and the settlement balance is the higher amount at the time of the claim, the GAP policy will pay up to this amount instead. Also, this is cleared as a priority by your comprehensive insurer's settlement and the GAP settlement. Whatever is leftover is then paid to you (under the BTI+ policy) or to a dealer if you have VR+.

I hope that information is useful and if you need any more information please let me know.

Thanks,
Katie

[interstellar]

Thanks Katie. All sorted now.

[GasEngineer]

Can you advise how to get the free 30 day policy as per the thread title please?

[ALA Insurance]

Hi GasEngineer

Thanks for getting in touch!

Of course, that's just on the following link and if you need any help with it at all please let us know!

https://www.ala.co.uk/30-day-free-gap-insurance?al...

Thanks,
Katie

[GasEngineer]

ALA Insurance said:

Hi GasEngineer

Thanks for getting in touch!

Of course, that's just on the following link and if you need any help with it at all please let us know!

https://www.ala.co.uk/30-day-free-gap-insurance?al...

Thanks,
Katie

Thanks for the quick reply. Is it possible to add the 30 days to a new policy?

Edited by GasEngineer on Thursday 22 June 17:10

[ALA Insurance]

No problem at all!

Can I ask when it was you took delivery of the car, please? If you prefer (and so we can run through more details) it might be worth sending the information over on an email to [e-mail] - the key thing for us is when you took delivery of the vehicle, and as long as this was within the last 30 days the age of the car shouldn't affect anything.

That way we can make sure we get the policy sorted in the best way possible for you

Thanks, Katie

[ALA Insurance]

We're going to PH25!

Delighted that ALA are one of the exhibitors at the PistonHeads 25th Anniversary Party on 12th August (tomorrow!) at Bicester Heritage.

For any of you PHers heading to the event, feel free to pop over for a coffee and a chat in our comfy/cozy space - we'd love to meet you

See you there!

The ALA Team

[Sheepshanks]

Awesone!

That's reminded me - my wife just changed her car for one 18mths old and I couldn't make sense of the ALA website as it seems to jump from cars 1yr old to 8yrs old and it was producing premiums way higher than I expected. Am I doing something daft?

[ALA Insurance]

Hi Sheepshanks!

Thanks for getting in touch, I can have a look into this for you

The 12 month limit is specifically where the car was bought brand new and the comprehensive insurer has covered it new for old for the first 12 months.

Other than that the age and mileage limits are really generous so the main requirement which applies to most people is that the car is less than 8 or 10 years old, depending on the type of policy. This is where your wife's car would be.

Price wise, are you able to pop me the details on an email and I can check this for you? It's [e-mail]

Thanks,
Katie

(or pop along to our stand tomorrow - we can run through it over a coffee!)

[Sheepshanks]

Thaks - I'll ping you an email.

No problem to leav it until next week.

[ALA Insurance]

Hello!

That's great, thank you - I've just sent over a reply and if I can help any further at all please let me know.

Thanks,
Katie

[Sheepshanks]

Got it, thanks!

[ALA Insurance]

Hello to all you PHers on this lovely summer afternoon (better late than never!)

We just wanted to say thank you to all who came to see us at the PistonHeads 25th Anniversary event in Bicester last month.

It was great to meet all of you - the team enjoyed chatting to everyone over free coffee and brownies in a stunning venue and with some impressive cars.

If anyone had any questions about any of our policies (or where we got the delicious brownies!) please get in touch either on here or by emailing [e-mail].

Thanks!
The ALA Team

[Samcat]

ALA Insurance said:

Hi GasEngineer

Thanks for getting in touch!

Of course, that's just on the following link and if you need any help with it at all please let us know!

https://www.ala.co.uk/30-day-free-gap-insurance?al...

Thanks,
Katie

There seems to be a problem with the ALA website, it was working ok, then crashed mid-quote.

Edit: Seems to be working ok now.

Edited by Samcat on Monday 30th October 08:19

[ALA Insurance]

Hi Samcat

Thanks for popping onto the forum to let us/PHers know about this.

I'm sorry to hear the website crashed and glad it was working properly for you in the end - if you did have any ongoing issues or queries please feel free to pop me an email so that we can look into it further ([e-mail])

Thanks again!
Katie

[DiamondLights]

Hi Katie, is the Piston12 code still valid or has it been superseded?