You're right! Thanks, dacouche - I have seen quotes as low as £136 - for RTI Gap Insurance. The VRI Gap quotes are much higher, as expected, but I shall certainly take out an on-line policy. I owe you a pint - thanks again. Note: This post has been moderated link removed. Please ensure you read the moneysupermarket.com Community ...

Thanks, Huckster. I will check my own insurance first (although I doubt it will cover me for the full replacement in the first year), then also check the Gap policy to make sure it 'does what it says'! I've just had a look at the confused.com pages, and this seems to recommend the Gap policy.

I have been offered total loss insurance cover on my new £20,000 car. This will cost ~£400 for 3 years cover - this guarantees I get the full cost price back should the car be stolen or written off - this insurer pays the difference between my own insurer's valuation and the full cost price, meaning I will get the full cost price ...