Another GAP insurance question

[paull]

Hi All,
We have recently bought a 2 year old SE - we smile every time we are out and about.
My question is am I missing a trick if I don't take GAP insurance?
I have checked the book price of my van and its already much lower than the price I paid. I am concerned that should the worst happen, I will not get enough to replace.
I have looked at the GAP insurance companies and the prices seem to vary quite a bit
Has anybody got any experience of ALA, or Warranty Direct?

Thanks as always for taking the time to help