gap insurance a good plan... i'll remain yet to be convinced!
by everyone getting gap insurance is letting the main insurer of the car off from why you pay your premiums for...
when you insure your car year on year they typically ask how much your car is worth... if they are not going to honor the amount, then why bother asking for a value?
like what has been said above, in the first year most insurance companies will cover cost to replace to new, some on a like for like basis, others may want to haggle and mess with the spec... some of you may have been there, its not always plain sailing!
i hate insurance... its cost me a fortune over the years, only ever tried to make one claim for a div who gave me a door dent in a car park... and guess what... i ended up paying for the repair myself... being private car park etc...
maybe if i had a £80k Maserati id consider gap... but at ~£20k on a mini... id rather have a good weekend away.
far too many insurances for this and that these days... and many of them not worth the time!