Promoted: Free 30-day GAP policy for PHers with ALA

[ALA Insurance]

Hi oobster,

Just to let you know that Katie is actually on holiday for a few days but we will contact you directly regarding your quote for GAP on the new car!
If there is anything else at all please do not hesitate to get back in touch!

Thanks
Jason

[ALA Insurance]

Hello to all the lovely PH folk!

I'm happily back from my holidays Hope those lucky people getting a new 67 plate this month have got their GAP insurance sorted

If anyone has any queries at all please get in touch - on the forum, by email ([e-mail]) or by calling the office (01653 916280) - and don't forget about the PH discount, PISTON12, which can be used online or over the phone.

Drop me a line if I can help with anything (probably just GAP insurance, I'm no good with general knowledge )

Thanks,
Katie

[ALA Insurance]

Hi flatsix2003

The code is definitely still valid and, having spoken to you, I'm glad it was working for you in the end.

If anyone does have any issues with the code, please get in touch - we'll always make sure you get the discount

Thanks,
Katie

[ALA Insurance]

Hi Dogstar

Thanks for passing on this feedback.

I know we discussed this over the phone but just to address this to other PHers, we have unfortunately seen a price increase for Excess cover from our underwriters. We are hopeful that this is just a temporary situation; our Excess policy prices have remained very low for a number of years and we're aiming to get these back to being competitively priced very soon so please bear with us

On the other note we're pleased to hear about your positive experience with the (almost) claim last year

If anyone has any questions or concerns at all please get in touch with me on [e-mail] or 01653 916301.

Thanks again,

Katie

[ALA Insurance]

Hi Mark

Thank you for getting in touch and I'm sorry for not getting back to you sooner.

Unfortunately we can't offer any cover for cars which have been owned for more than 6 months (or 12 months for brand new cars with new-for-old cover from the motor insurer for the first 12 months)

I'm not sure, as I think other providers online have similar cut-off points to ours, but it may worth a quick Google to see if anyone else can help.

I'm sorry we can't help but if you do have any other questions at all please let me know.

Thanks, Katie

[ALA Insurance]

Good Morning

Don't worry we can get that sorted for you

Please would you pop me an email to [e-mail] with your policy number and I'll be able to get the 25% refunded to you.

Thanks,
Katie

[ALA Insurance]

Hi 5678

Thanks for your message.

First of all, whichever policy you purchase, we will pay a cash settlement to you and not to a garage.

As you rightly say, the Back to Invoice policy is paying up to the original invoice price of your car. I'll just run through your example to keep it clear:

Invoice price: £50,000
Total loss after 2 years
Insurer pays £30,000

Back to Invoice + will pay you £20,000 - this can be used in conjunction with your insurer's settlement to pay off the finance (£35,000) and you would have the £15,000 left over.

Vehicle Replacement + would look at the replacement cost of car matching the original (brand new if your car was brand new when you bought it). Therefore if the replacement was £60,000 we would pay you £30,000, and this would still be a cash settlement to use as you wish.

I hope this helps but if you have any other questions please let me know.

Thanks,
Katie

[ALA Insurance]

Hi Mr Tidy

Thanks for your post.

Can I check what the modification is, as it may not affect the GAP insurance. If you would prefer to contact me directly, my email is [e-mail].

Thanks again,
Katie

[ALA Insurance]

Hi omariqy

Thanks for getting in touch, I'm sure the other PHers will be happy to help out/add to anything I put on here

If you sell or change your car before the policy expires, and if you also have not had to make a claim, you can contact us for a pro rata rebate which can be used against a new policy, or a pro rata refund which would be less a £35.00 cancellation fee - however this is the only time we ever have an admin fee.

With your question about Motor Easy, other forum members might be able to give you more insight if they have actually had cover with them. We are aware that their policies have a market value clause. This could mean you are left out of pocket if your insurer doesn't pay the full market value of your car at the time of a claim, as the GAP insurance would cover from what they believe you should have received, not what you have actually been paid.

We don't have one of these clauses in our policies, we simply make up the difference from your insurer's settlement even if it is slightly lower than we would expect it to be.

In terms of cost don't forget the discount codes we offer - the MSE code is still valid for another couple of weeks


I hope this helps but if you have any other queries please let me know

Thanks,
Katie

[ALA Insurance]

That's no problem at all.

You're absolutely right, although we daily pro rata the original premium to make sure it is as accurate as possible. We then use this against the new policy price, leaving just the balance to pay.

If there is anything else I can help with please drop me a line

Thanks,
Katie

[ALA Insurance]

Hi Omariqy

I've had a look through the details you've mentioned for each of the policies and the only difference with the GAP insurance is that ours is a fixed £250 excess contribution on the GAP policy (we don't have a £500 option). We are underwritten by an A+ rated insurer who operate all over the world - they have an office in London and their main office is in Munich.

With our Tyre insurance we don't have a contracted repairer, you can use any VAT registered repairer if you need to make a claim, and there is no excess to be paid in the event of a claim. I do have to point out that we have a 14 day initial exclusion period and a choice of two claim limits (£150 or £300). You can claim a maximum of 5 times for either repair or replacement of your tyre which must have a tread depth of at least 2mm at the time of a claim (but there are no deductions made for wear otherwise). The tyre policy is transferrable in the same way as the GAP if you change your car and no claims have been made. Also our Alloy Wheel policy can be purchased separately, it isn't included in our Tyre insurance.

If i can help any further please let me know

Thanks,
Katie

[ALA Insurance]

Hi omariqy

I'm so sorry for the delay - by now you might have already seen that we don't offer cover for diamond cut wheels but if this causes you any issues please let me know.

Also thank you very much for the policy purchase. Just for everyone else who might be looking to use it, it is only valid until 31st December 2017 but any quotes which are saved with the code will be honoured into the New Year

Thanks,
Katie

[ALA Insurance]

Hi juggsy

Thanks for your post.

I'll certainly have a look at this for you. Please would you send me the details on email of your previous policy and the new quotation and I'll get back to you asap with the updated quote my email is [e-mail]

Thanks,
Katie

[ALA Insurance]

Hi everyone

Just a quick message to say Merry Christmas to all you lovely PHers from the team at ALA. We hope its a good one and we wish you all the best for the New Year

Just to let you all know Christmas opening times, we're in the office 8.30am to 4pm on Friday 22nd December, from 9am to 2pm on 27th, 28th and 29th December, and then back to normal opening hours (8.30am to 6pm Monday to Friday) from 2nd January 2018. We'll get back to any queries as soon as we can.

Thanks,
Katie

[ALA Insurance]

Hi gnc

Thank you for getting in touch.

We can only cover cars which are under 10 years old at the start of the policy - unfortunately we don't offer cover for classic cars.

Other PHers might be able to offer advice as to what kind of cover you need/can purchase, I'm just sorry that we can't help!

Good luck

Thanks,
Katie

[ALA Insurance]

Hi Monty Python

Thanks for getting in touch.

Of course, the PISTON12 discount can be used against any of our policies If you do run through an extended warranty quotation on our website www.ala.co.uk/warranty please use the code in the promotional code box and the 12% discount will be applied.

If you have any other questions at all, please let me know

Thanks,
Katie

[ALA Insurance]

Hi Griff1980

Thankfully, fitting sidesteps wouldn't affect a GAP policy you have with us. Anything which is fitted aftermarket just isn't covered by the policy in the event of a claim.

I'm not sure how it would work from a comprehensive motor insurance perspective though. From experience its best to just tell them about any changes to be on the safe side

I hope this helps!

Thanks,
Katie

[ALA Insurance]

Hi smifffymoto

Thanks for getting in touch.

GAP insurance can be purchased regardless of age or how long since you have passed your test.

Unfortunately we don't offer car insurance but I'm hoping that some other PHers might be able to give you some good advice abut it

If you do have any other queries please let me know.

Thanks,
Katie

[ALA Insurance]

It's no problem at all

[ALA Insurance]

Hi richatnort

Thank you for getting in touch.

I'm pleased to say we don't charge an excess on our GAP policies

We do pay up to £250 to cover the excess charged by your comprehensive insurer, if you are making a total loss claim.

I hope this helps and if you have any other questions please let me know.

Thanks
Katie