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 Subject :Yes, or No? Do you actually need GAP insurance?.. 25-09-2016 05:59:22 
Joined: 10-03-2016 19:20:38
Posts: 36

There is no doubt about the goodness of GAP insurance. Having one always helps. But there is a cost that you have to pay for buying GAP insurance and keep in mind; it is not so small a sum that you can easily ignore. Considering the coverage and benefit, it is always worth to take the policy as you are assured of complete protection from financial losses in the event of accidents that can result in extensive damage and the insurer writes off the vehicle. Whether or not to take the policy would depend on the situation that you are facing. There is no one word answer to it. If you know the reasons why financial gaps are created and are also aware about the fast depreciation rates of cars, it would be easy for you to judge the situations that you might face and take the most appropriate decision. Let us try to gauge the risk factors one by one.

Negative equity

GAP insurance is a product that has been based on an asset acquiring negative equity. Vehicles are most vulnerable to negative equity as it undergoes high rate of depreciation, losing almost a fifth of its value as soon as it hits the road from the showroom. As accidents can happen at any moment, and vehicles keep losing its value with each passing day, the easiest solution is to get GAP protection cover to take care of all uncertainties. This would ensure that you are never hurt financially when accidents happen.

When GAP insurance is needed

· If the car that you purchase has a very high rate of depreciation, it will acquire negative equity very soon.

· The down payment amount was too little that compelled you to take higher amount of loan.

· The repayment tenure of loan is too long.

· The monthly repayment amount is too less.

· The loan has been structured in such a way that you are left to pay a big sum as onetime payment at the end.

· For leased vehicles, it is almost compulsory to have GAP insurance.

When it is not needed

Since you have a comprehensive car insurance policy have a good look at it before deciding to buy GAP insurance. Often, there is a clause in comprehensive car insurance policy, especially if the vehicle is registered in your name for the first time and you are the first owner of the vehicle, that the car will be replaced if damaged within a period of 12 months. But there are exclusions applied if the car is stolen or the accident happens due to the fault of the insured person or owner.

You can avoid taking guaranteed asset protection if you enter into a financial arrangement that takes care of the gap that arises between the cost that you paid for buying the vehicle and the written down value or book price.

Considering all the aspects that have been discussed, you must be better placed to decide whether you need GAP insurance or not.

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 Subject :Re:Yes, or No? Do you actually need GAP insurance?.. 12-12-2016 03:23:57 
Joined: 25-11-2015 03:12:40
Posts: 52

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 Subject :Re:Yes, or No? Do you actually need GAP insurance?.. 05-02-2017 02:03:37 
Joined: 05-02-2017 06:28:44
Posts: 56

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