so, lots of views and debate here... thanks for replying. The question still remains - do i get this fucking GAP insurance or what?
i am leaning on the side of leaving it. Apparently the insurance policy the Mrs has arranged through Tesco provides a like for like replaceemnt vehicle if this one is written off within 12 months of owning it. I think i'll be checking the small print on that too!
But a gap policy will gain value over time.
Up to you mate but I'd consider it for 10k+ worth of car in this market.