Member Advice on Insurance

I may be teaching a few grannies to suck eggs here but I shall stick my neck out anyway. I recently purchased a new car. I took the finance from the dealership, I negotiated a good rate and was happy with my deal. It was then I learned about GAP insurance. Basically, we all know that when you drive your new or nearly new vehicle off the forecourt, you leave a little value behind on the tarmac....its called depreciation. Worst case scenario.....you drive a mile down the road, wham bang someone hits you causing a fair bit of damage. Out comes Mr Assessor who offers you £1,500 less than what you have just paid for it and less than the value of the loan outstanding. This is where GAP insurance comes in....it basically makes up the difference. You could of course battle out the short fall but I know of someone who had to wait nearly 6 months for a deal to be struck and in the mean time had to continue paying for a car she no longer had. I know that new cars are less likely to be written off but its not a certainty. I have only heard of this insurance available with car dealers but it may well be available independently, something worth having if you just take a bank loan out for the purchase. Prehaps pressure should be out on insurance companies that outstanding loans should be taken into consideration when assessing especially when its not the claimants fault. Then again pigs may well fly before that day dawns.