Dear all Looking for some advice on how to deal with my Gap insurance company who refuses to settle my claim. My car was recently stolen. I purchased a GAP insurance from the dealer Cargiant at the same time I bought the car and the GAP insurance provider was AA Warranty, part of Motorway Direct group of company. My claim has been processed by my motor insurance but the GAP insurance is now refusing to reimburse the difference between what the motor insurance has paid and the invoice price. Their argument is as follows: - AA Warranty will pay the difference between purchase price (car bought in September 2010 for £14000) and market value of vehicle at point of loss (car stolen in June 2011) - Market value is defined as Glass Guide Retail value or insurer settlement price whichever is higher - Insurer settlement is £13000 which I have accepted - According to AA Warranty, Glass retail value at point of loss is £16000 - Therefore, as market value at loss is above invoice price, there would be no settlement I have replied to them contesting their line of argument: - Salesperson from Cargiant was clear when he sold the insurance: GAP will pay difference between insurer settlement and purchase price. Therefore, I must be reimbursed £14000-13000 = £1000 by AA Warranty - Also seems like there are virtually no conditions under which the GAP insurance would have to settle under their terms as Cargiant is selling car at rock bottom price with market value at loss likely to remain higher than purchase price for the whole duration of the insurance contract - case in point: the car I purchased 9 month ago is valued today at £16000, which is still 16% higher than the purchase price - Therefore, I think I have been misold a product unfit for my purpose I have email them and copied Cargiant asking them to settle or I will name both company liable to the FOB Have not heard back from AAWarranty for the past 10 days and unsure what should be my next course of action. I think I need to wait 8 weeks prior to referring the case to the FOB but given they are not even acknowledging my complaint, if there another approach I should use? Thanks for your help Oliver