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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 12:48 pm    Post subject: GAP cover Reply with quote

Guys, can anyone give me some advice on a back to invoice insurance policy? Or GAP insurance, I’ve called 2 different brokers this morning, and because I purchased my 997.2 privately without a VAT invoice, they can only give me cover up to what Glassers guide is saying it’s worth at today’s value which is just over 33k.
We all know there isn’t any Gen 2s with my spec plus Porsche warranty and mileage anywhere for sale for 33k!! Unless it’s being sold by Normal Norman in the Exchange and Mart Sad
I was hoping someone else has stumbled on a similar issue?
 
  
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symoonbeam
Monza


Joined: 02 Jun 2014
Posts: 218
Location: French France


PostPosted: Fri Aug 19, 2016 2:50 pm    Post subject: Reply with quote

If it helps, I got my finance and GAP insurance through these guys
https://www.motonovofinance.com

I bought privately through a broker (Phillip Raby) and had no issues getting GAP cover.

They have been good to deal with - no issues - and they got everything set up very quickly at the outset.

No affiliation etc etc...... just a satisfied customer

Might be worth giving them a ring Question
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 3:25 pm    Post subject: Reply with quote

Hello mate, I don't need any finance I've already purchased the car, it's the GAP I can't seem to get !!
 
  
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symoonbeam
Monza


Joined: 02 Jun 2014
Posts: 218
Location: French France


PostPosted: Fri Aug 19, 2016 3:36 pm    Post subject: Reply with quote

I gathered that, but they can probably arrange just the GAP insurance for you
_________________
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 3:37 pm    Post subject: Reply with quote

I've just phoned them and they can only offer GAP if I'd have used them to finance the motor, cheers for your help mate

I'll keep searching Sad
 
  
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symoonbeam
Monza


Joined: 02 Jun 2014
Posts: 218
Location: French France


PostPosted: Fri Aug 19, 2016 3:41 pm    Post subject: Reply with quote

Ahhh..... sorry mate
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T8
General
General


Joined: 29 Jun 2010
Posts: 15994
Location: Kent


PostPosted: Fri Aug 19, 2016 3:44 pm    Post subject: Re: GAP cover Reply with quote

effy wrote:


Guys, can anyone give me some advice on a back to invoice insurance policy? Or GAP insurance, I’ve called 2 different brokers this morning, and because I purchased my 997.2 privately without a VAT invoice, they can only give me cover up to what Glassers guide is saying it’s worth at today’s value which is just over 33k.



Confused

Surely the clue is in the title of the insurance policy. Question

If you buy a car privately what's to stop you saying that you paid £50k for the car?
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ex 2004 Polar Silver 996T Tiptronic
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ex 1978 Silver 924 Manual
 
  
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 3:47 pm    Post subject: Reply with quote

Nothing, but the clue is also in my title!!

I bet you can't find a 997.2 with huge spec low miles and Porsche warranty for 33k which is the price in the Glassers Guide!!!

They will cover me but only at 33k not what the cars worth over 40K
 
  
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DaveH911
Hockenheim


Joined: 24 Jan 2014
Posts: 655
Location: Derby

2006 Porsche 997 Turbo

PostPosted: Fri Aug 19, 2016 5:06 pm    Post subject: Reply with quote

Why don't you just get an agreed value insurance policy. That way, you won't need gap cover, or am I missing something here?
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 5:20 pm    Post subject: Reply with quote

I've got an agreed value policy, it's the GAP I was after in case of a total loss, i.e. Theft, accident etc
 
  
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s70rjw
Spa-Francorchamps


Joined: 26 Nov 2014
Posts: 331
Location: York


PostPosted: Fri Aug 19, 2016 5:32 pm    Post subject: Reply with quote

Effy. If you have an agreed value insurance policy which I assume equals the price you paid, there will be no shortfall for the GAP to cover.
 
  
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 5:39 pm    Post subject: Reply with quote

Okay that's put my mind at rest thanks guys
 
  
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wildej
Monza


Joined: 06 Nov 2014
Posts: 246
Location: Wirral


PostPosted: Fri Aug 19, 2016 5:41 pm    Post subject: Reply with quote

effy wrote:
Nothing, but the clue is also in my title!!

I bet you can't find a 997.2 with huge spec low miles and Porsche warranty for 33k which is the price in the Glassers Guide!!!

They will cover me but only at 33k not what the cars worth over 40K


Might be worth 40k at a specialist dealer but assume you bought private to avoid the dealer mark up I assume ?

As far as I'm aware you won't get gap if brought privately.
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 5:43 pm    Post subject: Reply with quote

Absolutely mate, plus it came with 19 months Porsche warranty that's was fully transferable to me, that's got value in it
 
  
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Slayer
Indianapolis


Joined: 29 Dec 2010
Posts: 2440
Location: United Kingdom


PostPosted: Fri Aug 19, 2016 7:19 pm    Post subject: Reply with quote

Try ALA
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effy
Spa-Francorchamps


Joined: 10 Feb 2014
Posts: 276



PostPosted: Fri Aug 19, 2016 7:20 pm    Post subject: Reply with quote

Yes tried ALA was on the phone with them today but no luck
 
  
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