Did you buy GAP insurance? - Citroen DS4 Forums
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post #1 of 11 (permalink) Old 9th September 2015, 14:50 Thread Starter
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Salesman was pretty pushy about this, It's on my order but I've got 14 days to change my mind. Did anyone go for it, worth it do you think?


I've done a bit of research and this: https://www.ds4ownersclub.co.uk/forum/discount-on-gap-insurance_topic255.html certainly seems to get favourably reviews so I think I'm going ahead, the price is good too.
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post #2 of 11 (permalink) Old 9th September 2015, 18:02
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No I didn't, is one of them you would wish u had if it gets written off but the chances of that in a nearly new car are quite slim as it would take a lot of damage. Personally only think you should get what the car is worth not what you originally paid which you get automatically from your insurance company, roughly anyway, so to me that's enough.


What kind of cost is it for you?Edited by: Becki_Justin

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post #3 of 11 (permalink) Old 9th September 2015, 22:12
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We went for the ALA gap insurance which is as good as we were offered at the dealer but 1/3 of the price.

Having bought used, we would get the payout from 12 months old once the 'new' replacement had ran out on our insurance and the car is covered for 12k, what we paid for it.

Was; 2015 DS4 2.0HDi \'blue\' 150 DSport in Babylon Red with black leather (not missed)
Was; 2013 DS4 1.6HDi 115 DStyle in Gris Aluminium with Sao cloth/ leather (sadly missed)
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post #4 of 11 (permalink) Old 10th September 2015, 10:14
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Buying the car new, I thought I'd be stupid not to especially as it's on a PCP!

It was 25200 new, I imagine it lost several thousand the moment I first sat in the drivers seat!!

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post #5 of 11 (permalink) Old 10th September 2015, 20:45
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Yes, but don't buy it off the dealer.

I got mine from Chris Knott Insurance and it was around 120 for 3 years.
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post #6 of 11 (permalink) Old 10th September 2015, 21:42
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Not bad at that price, especially if it's on a new vehicle like dans

2015 DS4 DSport 160HDI, Pearl Nero Black with optional Red/Black leather and Sat Nav.
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post #7 of 11 (permalink) Old 13th September 2015, 20:34
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I bought mine from the dealer and it was said to give you the price you paid. It's just run out and, thankfully, I didn't need it. I suppose it's peace of mind, although I don't buy extended warranties for anything else.

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post #8 of 11 (permalink) Old 16th September 2015, 10:22 Thread Starter
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I've gone for the ALA one. 110 for enough to cover my finance period.
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post #9 of 11 (permalink) Old 17th October 2015, 20:15
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I got GAP from ALA.
I used GAP from ALA.
ALA paid out the difference between purchase price and main insurance without any problem
Now I ALWAYS take out GAP on a new/nearly new car!

Don't forget that is not just about accident write-offs and "I've never had an accident in 50 years of driving" type thnking. You can be the best driver in the world, but doesn't stop your car being nicked from inside a locked garage and never seen again (like mine)

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post #10 of 11 (permalink) Old 17th October 2015, 21:49
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We were offered it by the dealer last month when we purchased our (used) DS4 but declined. Checked it out online and the Which website has a good overview of the different types of gap insurance and what to look out for (we're not members of Which and didn't sign up to subscribe). After further research, we purchased return to value gap insurance for 5 years as we think insurance companies never payout full replacement cost when a car is written off - and nowadays it doesn't seem to take much to write a car off! For price comparison - the dealer offered return to invoice for 3yrs for 350 and we purchased return to value for 5yrs for just under 200. So if you're going to purchase it, don't buy it through the dealer unless you've got lots of money to spare and check what the terms & conditions are! Hope that helps!
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