I've always found that manufacturers gap insurance are very expensive and normally get my own. Haven't had to use it yet however I usually use totallossgap.Co.uk as I find price and cover very competitive and easy to set up. Hope this helps.
Just to let you know that we offer a product called Total Loss Protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative.
ALA offer replacement car or lower tier options and were a lot cheaper than Jaguar. They offer discount on the forum. Now on my third car with them and any left over policy can be cashed in for what's left and used against the next car.
Either way replacement car makes the most sense given the difference in price v the worst case in year two onward.