Got her

[Audi_Newbie]

Hi Guys

After hearing nothing back from management, I decided to call them on Monday to find out what was going on with my car.

The manager was very disappointed that no-one had been in touch as the car was ready to be collected after the 'engine software update' last Wednesday, and was very apologetic. So I dropped off the donor car (A5), and went to pick up my car yesterday. I sat down with the manager and he re-iterated his disappointment with no-one getting in touch and for letting me down. As compensation and goodwill gesture he has given me 2 free services, and also will reimburse me for up to £500 on anything I buy (Hmm need a new I pad!) ... Can't get fairer than that I'd say!

So back to my car ... All I can say is ... WOW!! It's a stunner ... That drive home was the best drive ever! The amount of people turning their heads and looking made me (more so my car!) feel like a mini celebrity :notworthy

I will most definitely get some pics up for you guys, and for those that are waiting for their new A6's ... It will be worth the wait guys!

I've got 5 days Audi insurance, so now hopefully can find a good car insurance firm who won't quote me a mammoth total!! Feel free to let me know of any car insurance companies worth considering ... Cheers!

Oh and Gap .... !!!

Audi 2.0 Ibis White - Black Edition - Lighting Pack - Technology Pack - Reverse camera/Park assist - Heated front and outer rear seats - Folding/heated wing mirrors

[jcdub]

Congratulations. Glad it all worked out in the end. Looking forward to the pictures!

[Doctle Odd]

Check site sponsors for insurance

[St3veM]

Congrats on finally getting the new motor! Chris Knott for me. New A6 Avant BE at the docks, but when I do finally get it, smudge under £350 fully comp.


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[MarkTM]

Well done!!

Don't expect any low quotes, as when I lived in Loughton, Ilford had the highest premiums in Essex. :(

Google says:

Essex and London postcodes dominate list for car insurance claims | This is Money (http://www.thisismoney.co.uk/money/cars/article-2335058/Essex-London-postcodes-dominate-list-car-insurance-claims.html)

[Audi_Newbie]

Tell me about it!! I'm in Romford and some of the quotes have been ££££!!!

Luckily there were a few who were more reasonable and best one recieved was around the £500 mark ... Big drop from the £3500 one I got elsewehere!!

Am I right in thinking that all insurers have GAP included for the first year and then the GAP companies take over the reamaining 3-4 years?

Is GAP a must have?

[St3veM]

No, insurers will generally replace your car if it's written off in the first 12 months of ownership. GAP is a separate product which in most products will 'return to invoice' value. In other words will help you get back /top up any difference between any insurance payout and your purchase price. Hth


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[Audi_Newbie]

Cheers for that St3veM

So to be on the 'safe side' it's best to get GAP, owing to it being a brand new car etc

Will take a look at the main GAP companies and see what they quote!

[johnsimcox]

Not all insurers do new for old in the first year but most do. GAP offers piece of mind for the following years especially if you have the car on finance. Look for a Return to Invoice policy rather than simply one that makes up the difference between the insurance settlement and the finance settlement. Also not all GAP policies (including the one pushed by Audi) offer first year deferral. I have used the Gapinsurance123 policy which gives RTI and first year deferral for a competitive price (significantly less than half what Audi wanted) and you can also transfer it if you change car before the term is up. All that said I have never made a claim so cannot say how good they are in that situation but reviews suggest they are not a problem

[St3veM]

I would say it's a good idea, small piece of mind for the safety net it provides. Got mine through my insurance broker as was a good price and transferable. Ta


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[Audi_Newbie]

Many thanks for that sound piece of advice guys :fing02:

[Audi_Newbie]

Not all insurers do new for old in the first year but most do. GAP offers piece of mind for the following years especially if you have the car on finance. Look for a Return to Invoice policy rather than simply one that makes up the difference between the insurance settlement and the finance settlement. Also not all GAP policies (including the one pushed by Audi) offer first year deferral. I have used the Gapinsurance123 policy which gives RTI and first year deferral for a competitive price (significantly less than half what Audi wanted) and you can also transfer it if you change car before the term is up. All that said I have never made a claim so cannot say how good they are in that situation but reviews suggest they are not a problem

Would RTI still be beneficial regardless of how much deposit has been put down as I had put no deposit down.

The guy over the phone for gap insurance 123 asked the cost of car on road when buying (I signed on the dotted line back in April), and I was a tad confused by that as is it the total cost (including my ticked options) and before the discount that was given to me by the dealers via carwow ... Or the price that is shown on the invoice (which inc options/fuel/no plate etc) which comes to in the region of £37k.

I checked Parkers guide and the on road price for car is around £33k.

I don't want to end up purchasing the wrong GAP as there are about 4 different GAP products available!

[johnsimcox]

Would RTI still be beneficial regardless of how much deposit has been put down as I had put no deposit down.

The guy over the phone for gap insurance 123 asked the cost of car on road when buying (I signed on the dotted line back in April), and I was a tad confused by that as is it the total cost (including my ticked options) and before the discount that was given to me by the dealers via carwow ... Or the price that is shown on the invoice (which inc options/fuel/no plate etc) which comes to in the region of £37k.

I checked Parkers guide and the on road price for car is around £33k.

I don't want to end up purchasing the wrong GAP as there are about 4 different GAP products available!


I have always gone for the price of the car including options before any discounts, incentives, trade ins etc because you cannot be certain what will be offered should you have to replace the car. Remember with Gap you are only insuring the difference between what the insurance company will pay in the event of a write-off and the invoice price. I have assumed that on a 4 year deal the maximum difference between the replacement value offered by the insurance company and the invoice is unlikely (for a 2.0 Avant) to be more than £15k so that is the amount I insure. In your case work I would work with the 37k figure as the Invoice value

[Audi_Newbie]

I have always gone for the price of the car including options before any discounts, incentives, trade ins etc because you cannot be certain what will be offered should you have to replace the car. Remember with Gap you are only insuring the difference between what the insurance company will pay in the event of a write-off and the invoice price. I have assumed that on a 4 year deal the maximum difference between the replacement value offered by the insurance company and the invoice is unlikely (for a 2.0 Avant) to be more than £15k so that is the amount I insure. In your case work I would work with the 37k figure as the Invoice value

Cheers mate I'm getting my head round all of this slowly!

car Insurance company that I have signed up with offer no GAP insurance, so will have to be a 4 year one with a GAP firm.

I clicked on the £15000 and the £25000 claim limits and the latter only just increases it by £16 ... So would going with the £25000 be the safer bet!?

[ukgroucho]

I'd expect that during year 3 (so from when the car is aging between 3 and 4 years old) the insurance value will be around or less than 50% or retail - obviously depending on mileage etc. On a 37k car that puts you over a 15k gap so I'd certainly suggest 25k for the small uplift.

[St3veM]

I reckon £15k will be more than enough. Remember, the purpose is to cover the shortfall between insurance and invoice. Say you paid £35k for your car and wrote it off in two years; market value is £24k and insurance barter and you settle on £24k. GAP would cover the £11k difference in this example.


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[johnsimcox]

To give you another example. My current A6 is just over 3 years old and I am getting c£16k trade-in against a new car. The Invoice value was £32k so at £15k GAP I am possibly slightly out of pocket. However you would not be paying MRP on the new car so likely that £15k would be enough, that said the extra cost of the higher cover over 4 years is nothing. You say your insurer does not offer GAP, that is potentially very different to what is usually referred to a replacement or new for old in fort 12 months, is that what you mean?

[Audi_Newbie]

Been comparing a few of the GAP insurances, and the best quote I've received so far (combined from one insurer) is CAR2COVER for £500 ... That is RTI GAP and Tyre (£300 per tyre) cover over 4 years.

Thoughts on that price guys? Or is it best If i purchase tyres from one and tyres from anaother and probably save some money that way?

Can someone please also let me whether the tyres on the new cars are standard or run flat ones?

I didn't even bother looking at Audi Complete ... Assumed that would be pricey!

Thanks!

[johnsimcox]

Been comparing a few of the GAP insurances and the best quote I've received is from CAR2COVER for £500 ... That is RTI and Tyre cover both for 4 years?

Thoughts on that price guys? Or is it best If i purchase tyres from one and tyres from anaother and probably save some money that way?

I didn't even bother looking at Audi Complete ... Assumed that would be pricey!
Unless I am misreading it the Car2Cover deal only covers accidental damage to the tyres not wear and tear. Famous last words I know but on my previous and current A6 I only ever replaced the tyres because of wear not because of damage. If you have a history of tyre damage, because of where you live and the potholes are really bad, then makes sense if not then you will probably be paying for something you won't use. Audi Complete provides for replacement through wear and therefore is more akin to a savings plan

[Audi_Newbie]

Unless I am misreading it the Car2Cover deal only covers accidental damage to the tyres not wear and tear. Famous last words I know but on my previous and current A6 I only ever replaced the tyres because of wear not because of damage. If you have a history of tyre damage, because of where you live and the potholes are really bad, then makes sense if not then you will probably be paying for something you won't use. Audi Complete provides for replacement through wear and therefore is more akin to a savings plan

Thanks.

Which providers would be able to cover the wear and tyre!?

My Audi dealer told me to not go for the Audi complete as my mileage would be around the 7k mark per year and said I'd only be throwing money away!

[johnsimcox]

Thanks.

Which providers would be able to cover the wear and tyre!?

My Audi dealer told me to not go for the Audi complete as my mileage would be around the 7k mark per year and said I'd only be throwing money away!
At that mileage you are unlikely to wear out more than one set of fronts unless you are doing lots of fast twisty road driving. I replaced my fronts at 22k and the rears at 35k. No one is going to insure against wear and tear as that is a certainty. Saving £20pm would give you more than enough to replace the tyres in the time you own the car

[fest0r]

I went with car2cover for GAP and tyre cover over a year ago. I opted for the return to invoice plus current model option. You get the price of an equivalent mode/spec or the invoice price… whichever is higher. It was underwritten by Motorway Direct at the time and the tyre cover option was only available as an add-on to GAP and only for a new car. Might be different now though.

I have claimed four times on the tyre cover due to pothole damage (sidewall bulges) and a screw in the shoulder. Replaced like for like with Michelins and didn’t even need to use Halfords (their approved fitters). I only have one claim left now, but it has already paid for the tyre cover and the gap insurance combined. If the tyre is unrepairable and above the legal limit it’s covered. I suppose it’s open to abuse with people putting a nail in the tyre around 2mm so it’s probably the reason you can only get it for a newly purchased car.

I also went for Audi Complete service and maintenance because it looked like I would at worst break even towards the end. With one oil service and wipers I’m already breaking even so with a full service, possible disks/pads, gearbox oil change, ac recharge and MOT in a few years I will be well ahead. You can also add tyre cover to the package that covers wear.

EDIT: Did your dealer work up quotes for Audi Complete with the 3 levels of cover? You might be surprised at the cost with only 7k a year and he might prefer you to be paying them directly for any servicing etc.