Hi just noticed this thread and thought I'd add my experience into the frame so to speak, I was quoted £350.00 for an "RTI" gap insurance, (return to Invoice) from my dealer, and after discussing it with my son who told me "you can get that alot cheaper online" he pointed me to this company who he had used for his car,
http://www.ala.co.uk, so I decided to buy a "VRI" policy, (Vehicle replacement) for £164.00 one off payment for 3 years cover.
We looked around several other companies but this one seemed to fit better, but I was amazed at the price difference, it begs the question, why are the dealers so expensive ??