Toyota payment protection and 'Smart' body damage cover

Martian2035

I'm completing my purchase (on a PCP deal) of a Toyota Aygo car tomorrow.

They've recommended I take out Toyota's purchase protection insurance and 'smart' body damage insurance.

This is my first car and I've no idea about any of this. Would you suggest they're recommended, or is the dealer the one getting all the value from this?

motorguy

Martian2035 wrote: »

I'm completing my purchase (on a PCP deal) of a Toyota Aygo car tomorrow.

They've recommended I take out Toyota's purchase protection insurance and 'smart' body damage insurance.

This is my first car and I've no idea about any of this. Would you suggest they're recommended, or is the dealer the one getting all the value from this?

I'm assuming its GAP insurance, probably £500 and can be got for less than £200 from third parties.

Smart body insurance - i would skip that too as its price will be badly skewed so that the dealer gets extra revenue.

Martian2035

motorguy wrote: »

I'm assuming its GAP insurance, probably £500 and can be got for less than £200 from third parties.

Smart body insurance - i would skip that too as its price will be badly skewed so that the dealer gets extra revenue.

Thanks motorguy, I suspected something along those lines might be the case

motorguy

Martian2035 wrote: »

Thanks motorguy, I suspected something along those lines might be the case

Theres lots of cheap GAP policies about, but have a read at this MSE sticky

https://www.moneysavingexpert.com/car-insurance/gap-insurance/