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  • FIRST POST
    • bufferz
    • By bufferz 29th Apr 18, 8:38 AM
    • 66Posts
    • 17Thanks
    bufferz
    Cancelling GAP insurance
    • #1
    • 29th Apr 18, 8:38 AM
    Cancelling GAP insurance 29th Apr 18 at 8:38 AM
    Having bought a car and got sold gap insurance, I am trying to cancel it within the cooling off period. Have emailed the dealer a couple of times in accordance with the t&C's of the insurance provider, but had no reply. The period ends 4th May. I don't need the insurance and even if I did, it was 295, when I could get it for a fraction of that. What's my next move? Contact the insurance provider or even the ombudsman?
Page 1
    • Zorillo
    • By Zorillo 29th Apr 18, 9:05 AM
    • 592 Posts
    • 386 Thanks
    Zorillo
    • #2
    • 29th Apr 18, 9:05 AM
    • #2
    • 29th Apr 18, 9:05 AM
    Phone the dealer before 4th May.
    • scd3scd4
    • By scd3scd4 29th Apr 18, 9:38 AM
    • 1,130 Posts
    • 1,009 Thanks
    scd3scd4
    • #3
    • 29th Apr 18, 9:38 AM
    • #3
    • 29th Apr 18, 9:38 AM
    Go in person and cancel.
    • Nasqueron
    • By Nasqueron 29th Apr 18, 10:36 AM
    • 7,603 Posts
    • 4,840 Thanks
    Nasqueron
    • #4
    • 29th Apr 18, 10:36 AM
    • #4
    • 29th Apr 18, 10:36 AM
    Write, get proof of postage (free, don't need to send signed for), email as well. Once you have sent the letter first class with proof of postage it's deemed delivered 2 days later, well inside the cooling off period. Then if there are further disputes that have to be escalated you have proof
    • Nasqueron
    • By Nasqueron 29th Apr 18, 10:37 AM
    • 7,603 Posts
    • 4,840 Thanks
    Nasqueron
    • #5
    • 29th Apr 18, 10:37 AM
    • #5
    • 29th Apr 18, 10:37 AM
    Also, 295 is fairly cheap for GAP unless it's a poor policy. I got replacement GAP for 5 years (paid for 4, deferred 1 year) for about 250 which was more cover and less expensive than the dealership 495 3 year one
    • bufferz
    • By bufferz 29th Apr 18, 7:07 PM
    • 66 Posts
    • 17 Thanks
    bufferz
    • #6
    • 29th Apr 18, 7:07 PM
    • #6
    • 29th Apr 18, 7:07 PM
    Also, 295 is fairly cheap for GAP unless it's a poor policy. I got replacement GAP for 5 years (paid for 4, deferred 1 year) for about 250 which was more cover and less expensive than the dealership 495 3 year one
    Originally posted by Nasqueron
    Not when I can get the same cover for 72 it isn't ( it's a s/h car, not new)
    • Nearlyold
    • By Nearlyold 29th Apr 18, 7:33 PM
    • 1,390 Posts
    • 1,250 Thanks
    Nearlyold
    • #7
    • 29th Apr 18, 7:33 PM
    • #7
    • 29th Apr 18, 7:33 PM
    I am trying to cancel it within the cooling off period. Have emailed the dealer a couple of times in accordance with the t&C's of the insurance provider, but had no reply.
    It seems unusual for the cancellation procedure to involve contacting the dealer to cancel, it's normally the insurance provider you have to contact, it certainly is with Mapfre Abraxas who are a big provider of Dealer sold GAP policies. Who is the GAP insurance provider of yours?
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