Just changed me Insurance from Tesco to Ford Insure for me New ST which is cheaper at £350 FC. Plus they gurantee that due to its a new car in its first year of life if it gets written off etc they will replace it with a brand new ST !!.
Plus they mentioned that due to this you can defer your gap sinurance to start a year later, its just the salesmen at the dealers seem to tell you this.

no dubt about it GAp i have GAP and my frind chris who has just bought a new one i insisted he has gap too. Too many cars have been stolen, just look at the memebers cars & parts being stolen they post on the sites etc. Not worth the hassle mate.never leave stuff in ur car and get gap.