Car insurance will only pay out on the value of the car. If you are in negative equity, which you can be for some time on PCP and other finance agreements, you could be left with quite a bit of debt and nothing to show for it if you wrote off your car.
I don't know if it can be bought online but I'm sure if you contact any of the providers direct you may be able to get somewhere.
No, gap insurance ensures that you will be able to pay off any remaining finance on a car should it be written off. You normal car insurance will only pay the market value for the car, which is unlikely to be enough to pay off what you owe.
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