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Gap Insurance for Dacia, Duster, Sandero, Journey and All New Commercial Range 

 

Dacia may not have been a household name in the UK for as long as some of the more established car manufacturers; however, it has been around since 1966.

 

It was founded in its native Romania to provide affordable, reliable vehicles to the native population, and it did so until 1999 when the French super giant Renault bought the company. 

 

In 2004, Dacia started its mission to win over the European public with its 1st model, the Logan. The Logan was aimed at families. It was built to last at a bargain price of five thousand euros. 

 

Dacia kept the new models coming, and in 2008, the Logan was joined by its sibling, the Sandero, which was at the time the UK's most affordable SUV.  

 

Following the commercial success of the Logan and the Sandero, the duster was launched in 2010 and the Jogger in 2022.

 

In 2022, the brand had a facelift with a new dynamic logo, and today, in 2023, Dacia has over 8 million customers in over 44 countries.

 

Industry experts now recognise them and have won many awards from the likes of Auto Express, What Car, Auto Trader, Good Housekeeping, and Parkers, to name but a few.

 

So now we understand just how impressive Dacia is and what value for money they represent; why do you need to protect your vehicle with a form of GAP Insurance? 

 

Let's look at what happens if your Dacia Duster is written off. For illustration purposes, you have just bought a Dacia Duster Essential TCE 90 4x2. ( figures taken from Dacia.co.uk 19/09/2023 ) 

 

  • The car cost £17,295
  • Your car is stolen in 4 years. 
  • Dacia states on their PCP example, with an annual mileage of 6000 miles per year, that they envisage your car being worth a minimum of £8,172.
  • Your own insurance company offers you the market value again for illustration purposes. Suppose you stuck to the 6000 miles per year looked after your car, and so the valuation is £8950.
  • Without any form of gap insurance, you now have no car.
  • You have £8950 to clear any finances and buy another car.

 

So what can Gap Insurance do to protect you and your Dacia?

 

If you had bought a form of Return to Invoice for your Dacia

 

Your Total Loss Return to Invoice Gap Insurance policy pays the difference between your insurance company's settlement and the higher of either the amount outstanding on finance or the original invoice price you paid. 

 

  • Your car still costs £17295
  • Your vehicle was still stolen in 4 years.
  • Your own insurance company still offer you £8950
  • Your gap insurance pays £8345
  • You now have a total of £17295 to clear any finance if necessary and or replace your car. 

 

Your Total Loss Vehicle Replacement Insurance pays the difference between your insurance company settlement and the higher of either the amount outstanding on finance, the price you paid as shown on your Invoice, or the replacement cost of another Dacia the same as yours was on the 1st day you drive it home. 

  • Your car still costs £17295
  • Your car was still stolen in 4 years.
  • Your own insurance company still offer you £8950
  • The replacement cost for illustration purposes has risen to a compound inflation rate of 4% per year to allow for upgrades, raw material costs, changes in VAT, labour costs, etc. It would now be in the range of £20232.
  • As the replacement cost is the highest figure, your gap insurance would now pay £11282 to clear any finance if necessary and or replace your car. 

 

The same principles would apply to the Dacia Logan, Dacia Dandero and Dacia Jogger, both new and used models.

 

So how much would a three-year Total loss Gap Insurance policy cost for your Dacia?

 

(Figures taken from Dacia.co.uk 19/09/2023 )

Dacia Duster Essential TCE 100 Bi-Fuel 4x2 RRP From £17295

  • Return to Invoice - £129.72 inclusive of Insurance premium Tax
  • Vehicle Replacement - £157.79 inclusive of Insurance premium Tax

Dacia Duster Essential TCE 4x2 £17295

  • Return to Invoice - £129.72 inclusive of Insurance premium Tax
  • Vehicle Replacement -£157.79 inclusive of Insurance premium Tax

Dacia Journey TCE 130 4X2 Up & GO £ 22145

  • Return to Invoice - £137.21 inclusive of Insurance premium Tax
  • Vehicle Replacement - £167.79 inclusive of Insurance premium Tax

 

Or the all New Dacia DusterCommerical with four years of Total Loss Gap Insurance 

 

Dacia Duster Commerical Expression Blue DCI 115 4X4 £24724

  • Return to Invoice - £199.87 inclusive of Insurance premium Tax
  • Vehicle Replacement -£245.87 inclusive of Insurance premium Tax

Dacia Duster Commerical Essential TCE 90 £19324

  • Return to Invoice - £194.98 inclusive of Insurance premium Tax
  • Vehicle Replacement -£235.13 inclusive of Insurance premium Tax

Please remember that if you are buying the Dacia Commercial as a business or company and are claiming the VAT back via HMRC, any settlement will be exclusive of VAT as you can only claim it back once.

 

Or perhaps the New Dacia Jogger or Sandero with five years of Total Loss Gap Insurance

 

Dacia Jogger Essential £18295

  • Return to Invoice - £219.98 inclusive of Insurance premium Tax
  • Vehicle Replacement -£314.97 inclusive of Insurance premium Tax

Dacia Sandero TCE 90 £13795

  • Return to Invoice - £209.98 inclusive of Insurance premium Tax
  • Vehicle Replacement - £294.96 inclusive of Insurance premium Tax.

When you buy a Daica, your Gap insurance need not cost some of the high prices our policyholders tell us that they are regularly quoted.

No matter which model Dacia you choose, we sincerely hope you will have many happy years of motoring and never need to see just how straightforward any Total Loss gap Insurance claim you make can be.