PPF on the car have you declared it with insurance? INSURANCE VOIDED

Page may contain affiliate links. Please see terms for details.

MYE63

Active Member
Joined
Oct 1, 2022
Messages
121
Location
Leicester
Car
E63S Edition 1
Hi All

I have had PPF on the car (bought it with it already applied) I had a little bump before Christmas and long story short my insurance company are voiding my insurance due to the fact its a modification that I haven't declared!

They gave me 24 hours until they cancel my insurance and told me I have to put down Ive had insurance voided going forward ! My insurance now has shot up to £6,900.00 which is horrendous!! They are voiding the insurance on the basis its a "wrap" and I've clearly have mention several times in the process that it doesn't change the look or appearance on the car however underwrites still declared it void!

I am going to take it forward with them as I've spoken to two other insurance who have clearly stated its not classified as a modification as it does not change the look appearance or performance of the car!

What's your thoughts on this? Has anyone has any similar issues ?

Have you all declared PPF to your insurance? (as I've found most insurance haven't a clue what it is!)

I feel that this is really harsh as they should've turned around and said we can't cover this go find another insurance company who will rather then black listing me and screwing me over! And the 24 hours notice is again another harsh dissension as I'm disputing it I thought they should've let me stayed insured until they gave me a final verdic?

Any sort of feedback would be helpful!
 
What is PPF?
Paint Protection Film.

I would take a complaint to the very top. PPF is not a modification. It is a colourless film used to protect the paintwork and does not change the look of the car or improve its performance.
It's no different to adding a ceramic coat to the paintwork.
Name and shame the insurance company!

 
The insurance company is AXA Car insurance they had taken my claim all the way to getting booked in and its 3rd party at fault too so nothing against mu insurance and my own insurance decided to do this to me at the last min when it was time for booking in the car for repairs ! Baring in mind it's coming to 3 months since the initial incident

I have to go through their internal complaint procedure before I can go to the financial ombudsman! Unfortunately that take upto 8 weeks and I don't have a car to take My kids to school! Its going to be one hell of a stressful night
 
Does it cost more to repair PPF treated bodywork?
No it's significantly less my paint work is saved by the PPF they just have to replace the film rather than respraying 4 pannels of the car !
 
Hi All

I have had PPF on the car (bought it with it already applied)

If you didn`t know it was on the vehicle ;) then how could you possibly declare it , i am sure the first time you knew anything about it was when AXA told you.

K
 
Wow that's a bit shocking. I don't think I would have thought twice about mentioning this as a modification - having a film protection on your vehicle which reduces stone chips.

I presume it is PPF as opposed to a wrap - but then that would come under changing the look of the vehicle.
 
If you didn`t know it was on the vehicle ;) then how could you possibly declare it , i am sure the first time you knew anything about it was when AXA told you.

K
Exactly what I told them they said regardless its a "wrap" we wouldn't have offered you insurance in the 1st place and for that reason it's voided there was literally no 2 ways about it no matter how I explained it!

I went as far as saying when you put a screen protector on your phone your not "wrapping" your phone you're putting a layer on top to protect it from damage ! It's just seem to fall on dead ears!
 
Exactly what I told them they said regardless its a "wrap" we wouldn't have offered you insurance in the 1st place and for that reason it's voided there was literally no 2 ways about it no matter how I explained it!

Do a "dummy" online quotation through AXA for a different car from a different e-mail address and mention PPF in the "mods" section , see if it lets you process the quote and save it.

Depending on the result it may provide you with a bit of "ammo" once you get past the first line of defence at the call center.

I can understand (kind of) the insurance company not replacing the PPF as part of the repair as it is a non factory "extra" but to cancel your cover is a bit of a pi$$ take.

K
 
Last edited:
img_20230205_174908_344-jpg.136921

Link from the number plate thread.

Looks like satin PPF, hence it stands out like a sore thumb to an assessor.

Technically they are right, it is a wrap, a modification and it does change the appearance of the car. It seems quite a strong stance they have taken though.

It’s a pity it wasn’t declared but I guess not a lot you can do now.

Maybe consider claiming off the TP insurers if you weren’t at fault?

A reminder to us all to be careful to declare all modifications - even if ‘just in case’
 
img_20230205_174908_344-jpg.136921

Link from the number plate thread.

Looks like satin PPF, hence it stands out like a sore thumb to an assessor.

Technically they are right, it is a wrap, a modification and it does change the appearance of the car. It seems quite a strong stance they have taken though.

It’s a pity it wasn’t declared but I guess not a lot you can do now.

Maybe consider claiming off the TP insurers if you weren’t at fault?

A reminder to us all to be careful to declare all modifications - even if ‘just in case’
The car is santin from factory mango back its an edition 1 car the film doesn't chage the look if I peel it off which I have done so on the side pannel it doesn't change the look of the car or paint work
 
Do a "dummy" online quotation through AXA for a different car from a different e-mail address and mention PPF in the "mods" section , see if it lets you process the quote and save it.

Depending on the result it may provide you with a bit of "ammo" once you get past the first line of defence at the call center.

I can understand (kind of) the insurance company not replacing the PPF as part of the repair as it is a non factory "extra" but to cancel your cover is a bit of a pi$$ take.

K
Already tried this if you look on majority of the online quotes PPF isn't an option for modifications it doesn't come up under any category at all
 
Wow that's a bit shocking. I don't think I would have thought twice about mentioning this as a modification - having a film protection on your vehicle which reduces stone chips.

I presume it is PPF as opposed to a wrap - but then that would come under changing the look of the vehicle.
Exactly my point I know you can get satin PPF however my PPF is clear my pain on my car is Satin from factory Mago Black
 
No it wasn't Topaz the PPF was done 2 years prior to me purchasing the car and the dealers went back and got me the invoice which I provided to the insurance company
Sorry, I must have got you mixed up with another member. If I read your previous post correctly, are you claiming to have the PPF replaced, without the need for any bodywork or paintwork repairs?
 
Sorry, I must have got you mixed up with another member. If I read your previous post correctly, are you claiming to have the PPF replaced, without the need for any bodywork or paintwork repairs?
Hi Bobby

This is my 1st post regarding this matter I've not had anything done to the car as of yet in reapirs, to my eyes it looks like PPF damage only slight little chip on the bottom lip and alloy has been scuffed in the process
 

Users who are viewing this thread

Back
Top Bottom