Golfer Posted May 15, 2007 Report Share Posted May 15, 2007 Well just maybe mine depends! Just a brain pick, Trackers in particular "Tracker Horizon". Worth activating as on the Car or not, what do you guys think. Quote Link to comment Share on other sites More sharing options...
Daz Posted May 15, 2007 Report Share Posted May 15, 2007 Depends if your insurance insists on it. Mine did. If they don't would you want it back if it got nicked? I'd get GAP insurance and not bother if it were mine. Quote Link to comment Share on other sites More sharing options...
Golfer Posted May 15, 2007 Author Report Share Posted May 15, 2007 [ QUOTE ] Depends if your insurance insists on it. Mine did. If they don't would you want it back if it got nicked? I'd get GAP insurance and not bother if it were mine. [/ QUOTE ] Yea I'm getting that also. Quote Link to comment Share on other sites More sharing options...
sitas3 Posted May 15, 2007 Report Share Posted May 15, 2007 any recommendations for GAP insurance? I'm considering this also. Quote Link to comment Share on other sites More sharing options...
Quattrophenia Posted May 15, 2007 Report Share Posted May 15, 2007 You should get Return To Invoice (RTI) - is a form of GAP but more comprehensive. In essence means you will get back exactly what you paid for the car. www.click4gap.com seems quite good - also gives the opportunity to buy 1,2,3 or 4 years worth of cover which is good if you only plan on keeping the car a couple of years for example. The manufacturers GAP is usually for 3 or 4 years and you pay through the nose for it. Quote Link to comment Share on other sites More sharing options...
byron13 Posted May 15, 2007 Report Share Posted May 15, 2007 Tracker Monitor is the cheapest I could get and as Daz I would not have bothered but the Insurance insisted. I find GAP insurance a bit odd as it would seem to encourage certain types to have their car stolen so they get back the value they paid and hence avoiding depreciation. If my car is stolen in 2 years time it will be worth what it was worth when it was stolen not what I paid for it ???? I guess it all depends on how you look at it. Quote Link to comment Share on other sites More sharing options...
John_Doe Posted May 15, 2007 Report Share Posted May 15, 2007 [ QUOTE ] Tracker Monitor is the cheapest I could get and as Daz I would not have bothered but the Insurance insisted. I find GAP insurance a bit odd as it would seem to encourage certain types to have their car stolen so they get back the value they paid and hence avoiding depreciation. If my car is stolen in 2 years time it will be worth what it was worth when it was stolen not what I paid for it ???? I guess it all depends on how you look at it. [/ QUOTE ] You can of course tailor the gap insurance to suit one's needs..for instance on previously owned cars one can opt for RTV (Return to Value)... www.click4gap.com Brilliant.... Quote Link to comment Share on other sites More sharing options...
Quattrophenia Posted May 15, 2007 Report Share Posted May 15, 2007 [ QUOTE ] [ QUOTE ] Tracker Monitor is the cheapest I could get and as Daz I would not have bothered but the Insurance insisted. I find GAP insurance a bit odd as it would seem to encourage certain types to have their car stolen so they get back the value they paid and hence avoiding depreciation. If my car is stolen in 2 years time it will be worth what it was worth when it was stolen not what I paid for it ???? I guess it all depends on how you look at it. [/ QUOTE ] You can of course tailor the gap insurance to suit one's needs..for instance on previously owned cars one can opt for RTV (Return to Value)... www.click4gap.com Brilliant.... [/ QUOTE ] I think there's an echo in here... Quote Link to comment Share on other sites More sharing options...
John_Doe Posted May 15, 2007 Report Share Posted May 15, 2007 [ QUOTE ] [ QUOTE ] [ QUOTE ] Tracker Monitor is the cheapest I could get and as Daz I would not have bothered but the Insurance insisted. I find GAP insurance a bit odd as it would seem to encourage certain types to have their car stolen so they get back the value they paid and hence avoiding depreciation. If my car is stolen in 2 years time it will be worth what it was worth when it was stolen not what I paid for it ???? I guess it all depends on how you look at it. [/ QUOTE ] You can of course tailor the gap insurance to suit one's needs..for instance on previously owned cars one can opt for RTV (Return to Value)... www.click4gap.com Brilliant.... [/ QUOTE ] I think there's an echo in here... [/ QUOTE ] I know, I know!!! Got a great deal recently with those nice gap chaps!! Quote Link to comment Share on other sites More sharing options...
sitas3 Posted May 15, 2007 Report Share Posted May 15, 2007 cheers guys I will look into it. Quote Link to comment Share on other sites More sharing options...
Love_iTT Posted May 15, 2007 Report Share Posted May 15, 2007 I just tried them and they don't go over the value of £50000, anyone know if there any other companies who do RTI who go above £50000? Graham Quote Link to comment Share on other sites More sharing options...
byron13 Posted May 15, 2007 Report Share Posted May 15, 2007 So it's like a new for old home insurance policy ? Quote Link to comment Share on other sites More sharing options...
Ian_C Posted May 15, 2007 Report Share Posted May 15, 2007 Basically. Ian Quote Link to comment Share on other sites More sharing options...
PetrolDave Posted May 16, 2007 Report Share Posted May 16, 2007 [ QUOTE ] Depends if your insurance insists on it. Mine did. If they don't would you want it back if it got nicked? I'd get GAP insurance and not bother if it were mine. [/ QUOTE ] I found several insurance companies who didn't care about Tracker. Did pay for GAP thought ... Quote Link to comment Share on other sites More sharing options...
Golfer Posted May 16, 2007 Author Report Share Posted May 16, 2007 [ QUOTE ] [ QUOTE ] Depends if your insurance insists on it. Mine did. If they don't would you want it back if it got nicked? I'd get GAP insurance and not bother if it were mine. [/ QUOTE ] I found several insurance companies who didn't care about Tracker. Did pay for GAP thought ... [/ QUOTE ] Yep I have one and I have found a Saloon that fits my golf kit and Spec. just hope I can convince the wife. She was in Kill mode earlier Quote Link to comment Share on other sites More sharing options...
jwo Posted May 16, 2007 Report Share Posted May 16, 2007 Make sure it works (the tracker) and that the tilt sensor is the new one. Had other car removed and horizon element didn't work to tell us that the car had gone walkies! (taken without keys but with aid of technically able scum bags) Quote Link to comment Share on other sites More sharing options...
Gareth Posted May 17, 2007 Report Share Posted May 17, 2007 GAP is inferior cover to RTI-but dealers push GAP because of the huge commission they get for it....not becuase it's any good. Lombard can offer RTI as a stand alone item for just £8.25 a month and we always mention (but not push) it to clients Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted May 17, 2007 Report Share Posted May 17, 2007 do you need GAP aswell as RTI? or can you go for just RTI? so if you buy a £50k RS4, have it for a year and it gets written off, what does the RTI cover? Quote Link to comment Share on other sites More sharing options...
gizze Posted May 18, 2007 Report Share Posted May 18, 2007 Far more than Gap, gap covers the shortfall in what you are oweing on finance and what your insurance payout is, RTI returns the invoice price to you, hence the name, so if You bought a car for £50k, 2 years later you wrote it off and the insurance pays out say £35k, RTI insurance would pay you the remaining £15k so you have £50k again. If it was gap and your insurance payed you out £35k and you owed £38k on finance the gap would pay out £3k to make sure you have cleared the fiance. Problem with gap is this, most insurers will replace with a new car in the first 12 months anyway, which is when you are likely to have a shortfall, then in year two you generally are pretty much even with what you owe and what the car is worth, by year three there should be equity in the car. I feel GAP is the biggest rip off ever, where as RTI is a no brainer, for £8 a month why wouldn't you?? Quote Link to comment Share on other sites More sharing options...
gizze Posted May 18, 2007 Report Share Posted May 18, 2007 You don't need both, gap is at the bottom of the pile, RTI is the one most people go with, or should do! There is also like for like, so they will pay out to get you into the same car, this means that if you buy an RS4 at £50k and 2 years later you write it off and a new one would be £55k as the list price has gone up, they will cover any increse in retail too. Stick with RTI. Quote Link to comment Share on other sites More sharing options...
Daz Posted May 18, 2007 Report Share Posted May 18, 2007 I got the Audi RTI with my car. Never accept the first price they offer you. I think I got mine for £300 for 3 years cover. Quote Link to comment Share on other sites More sharing options...
Golfer Posted May 18, 2007 Author Report Share Posted May 18, 2007 [ QUOTE ] [ QUOTE ] Depends if your insurance insists on it. Mine did. If they don't would you want it back if it got nicked? I'd get GAP insurance and not bother if it were mine. [/ QUOTE ] Yea I'm getting that also. [/ QUOTE ] I should add it's return to invoice. for the sum of £215.00 Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted May 19, 2007 Report Share Posted May 19, 2007 RTI available on used cars or just brand new? Quote Link to comment Share on other sites More sharing options...
Golfer Posted May 19, 2007 Author Report Share Posted May 19, 2007 [ QUOTE ] GAP is inferior cover to RTI-but dealers push GAP because of the huge commission they get for it....not becuase it's any good. Lombard can offer RTI as a stand alone item for just £8.25 a month and we always mention (but not push) it to clients [/ QUOTE ] Gareth that sounds a very good price Quote Link to comment Share on other sites More sharing options...
Adam Posted May 24, 2007 Report Share Posted May 24, 2007 [ QUOTE ] I got the Audi RTI with my car. Never accept the first price they offer you. I think I got mine for £300 for 3 years cover. [/ QUOTE ] me too although I think mine was £350 as I didn't haggle. Sales guy said he did not bother even suggesting GAP as it is a waste of money. Quote Link to comment Share on other sites More sharing options...
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