Firstly, the Lexus RX is no Zafira - its one of the most refined SUV's on the market today and pampers you unlike Zafira's and the Prius. That's essentially what you pay for.
Of course, if you just want to get from A to B as cheaply as possible, its best to get something cheap in the first place but if you want to get from A to B in style, the RX fits the bill.
If you've driven a Prius, you'll know how crap that car actually is..... lol
With GAP protection, they HAVE to pay unless you've deliberately given them wrong information. It doesn't matter whether its your fault or someone else, they have to pay regardless.
No point getting the ding and scratches insurance though, the people who come out to do it can't seem to get it right, especially on Lexus 3 stage paint.