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

[Will]

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

Fair enough, but I guess the satin appearance plus the wrap could be what drew the assessor’s attention to this. I do sympathise but as said the insurance company are actually correct here, although as I say it does seem that they have taken a tough stance in your case. It is a relevant modification to declare though as regardless of other considerations (risk) it affects the methods and costs of repair etc. PPF is a wrap it just happens to be clear.

It’s an unfortunate situation but just goes to show how things can pan out :-(

I wouldn’t have thought the PPF would have added a great deal to the premium from most insurers, but have never had cause to look into this.

Best of luck with it though, as I say I would look into claiming from the TP if you’re not at fault.

 

[MYE63]

Fair enough, but I guess the satin appearance plus the wrap could be what drew the assessor’s attention to this. I do sympathise but as said the insurance company are actually correct here, although as I say it does seem that they have taken a tough stance in your case. It is a relevant modification to declare though as regardless of other considerations (risk) it affects the methods and costs of repair etc. PPF is a wrap it just happens to be clear.

It’s an unfortunate situation but just goes to show how things can pan out :-(

I wouldn’t have thought the PPF would have added a great deal to the premium from most insurers, but have never had cause to look into this.

Best of luck with it though, as I say I would look into claiming from the TP if you’re not at fault.

I understand if the "wrap" changes the look of the car or the PPF changed the look of the car then it would make sense! If you look at any insurance policy it state performance or aesthetic changes including stickers which alter the look or performance and this does neither!

Insurance premium should be lower as it save the insurance company a heck of a lot of money rather than having to respray or replace panels all they need to do is replace film. The Assessors haven't even seen the car which is the other thing they are just going based of the fact the the PPF is a modification which is a "wrap"

The cost of repair is significantly cheaper than it would be having to respray a magno black car and get the factory finish this is 2 pannels of PPF Film which would be less than £1,000 to replace rather than respraying 4 pannels at minimum to get the blend correct

TP is the least of my concerns as my insurance is gone up nearly 6 folds due to the harsh judgment rather than saying sorry we don't cover this, black listing me as voided insurance has made the situation 10X worse!

It's cheaper for me to go buy a car and get insurance on it rather than insure this car for £7K and that will be a problem for many many years to come that's the part I'm more annoyed about I'm happy replacing the film my self it's the 3rd party who wanted to go through insurance even though he knew it was his fault which I had no objection too.

 

[ALFAitalia]

I think the OP will lose this case....PPF is a declarable mod.....googling pretty much any insurance website confirms this. As for not knowing it was fitted?....well as with anything else legal....ignorance is no defence. Would you expect it to be covered it the previous owner had fitted coilovers without telling you? Probably not....
To be honest I find it hard to believe you did not know it was there.....first time you washed it you would feel the difference....well I certainly would.

 

[Will]

I understand if the "wrap" changes the look of the car or the PPF changed the look of the car then it would make sense! If you look at any insurance policy it state performance or aesthetic changes including stickers which alter the look or performance and this does neither!

Insurance premium should be lower as it save the insurance company a heck of a lot of money rather than having to respray or replace panels all they need to do is replace film. The Assessors haven't even seen the car which is the other thing they are just going based of the fact the the PPF is a modification which is a "wrap"

The cost of repair is significantly cheaper than it would be having to respray a magno black car and get the factory finish this is 2 pannels of PPF Film which would be less than £1,000 to replace rather than respraying 4 pannels at minimum to get the blend correct

TP is the least of my concerns as my insurance is gone up nearly 6 folds due to the harsh judgment rather than saying sorry we don't cover this, black listing me as voided insurance has made the situation 10X worse!

It's cheaper for me to go buy a car and get insurance on it rather than insure this car for £7K and that will be a problem for many many years to come that's the part I'm more annoyed about I'm happy replacing the film my self it's the 3rd party who wanted to go through insurance even though he knew it was his fault which I had no objection too.

I understand what you’re saying but the insurance company are actually technically right with their actions as harsh at it seems.

Anything not factory fitted is a modification. PPF and wraps fall into that category. When you take the policy out you tell them you have a PPF wrap and they can decide whether they want to accept or decline cover and at what cost.

Always best to declare everything to avoid this sort of situation, I know it is hindsight but a learning curve for sure. No harm in trying to appeal the decision but they’ll probably just quote the T&Cs at you and have probably come across these sorts of scenarios before.

 

[Doodle]

ignorance is no defence. Would you expect it to be covered it the previous owner had fitted coilovers without telling you?

For insurance purposes, it is - car insurance is a contract of utmost good faith. Unless it's a brand new car, you have no idea what a previous owner may have done and some things are not obvious, especially to the average owner. The insurance company can't penalise you for not mentioning something you could not reasonably have known. They may chance their arm and try to, but if suitably challenged they will back down.

From your example above coilovers would probably be quite obvious, but a set of Eibach Prokit springs for example (15mm drop, black powdercoat) are going to look indistinguishable after a few years in place.

Unfortunately it wouldn't apply in the OP's circumstances.

 

[ALFAitalia]

PPF is pretty obvious too unless the driver is Stevie wonder....in which case insurance will be pretty high anyway! If I was selling a car I would tell the buyer about the PPF as to most people that would be a selling point.
Good coilovers can be set at any height inc stock so unless you look underneath you would not know ....and even if you did look, the average Joe still won't know what he's looking at.

 

[markjay]

How did this come about? How did your insurer found out that the car has PPF?

If the other party accepted liability, then your claim is against the other-party's insurer. Or are you claiming on your own policy anyway?

Also, was the car seen by an assessor, and if so, was the assessor appointed by your insurer, or by the other-party's insurer?

If you are claiming directly from the other-party's insurer (as you should), then you only need to notify your insurer of the incident, but there's no need for detail.

I am obviously not suggesting that it's a good thing to have an undeclared mod, just wondering how your insurer actually discovered it (which led to them voiding your policy), given that the damage repair should be paid by the other-party's insurer (including reapplying the PPF, and a rental car for when your car is being repaired), and not by your own insurer.

 

[Will]

How did this come about? How did your insurer found out that the car has PPF?

If the other party accepted liability, then your claim is against the other-party's insurer. Or are you claiming on your own policy anyway?

Also, was the car seen by an assessor, and if so, was the assessor appointed by your insurer, or by the other-party's insurer?

If you are claiming directly from the other-party's insurer (as you should), then you only need to notify your insurer of the incident, but there's no need for detail.

I am obviously not suggesting that it's a good thing to have an undeclared mod, just wondering how your insurer actually discovered it (which led to them voiding your policy), given that the damage repair should be paid by the other-party's insurer (including reapplying the PPF, and a rental car for when your car is being repaired), and not by your own insurer.

I guess it would depend on whether the TP insurer accepts liability or not?

Often claims are settled by the insurance company of the insured and claimed back off the TP once they argue/settle the liability, unless it’s clear cut and the TP accept liability from the start.

 

[markjay]

I guess it would depend on whether the TP insurer accepts liability or not?

Often claims are settled by the insurance company of the insured and claimed back off the TP once they argue/settle the liability, unless it’s clear cut and the TP accept liability from the start.

The OP said:

...I'm happy replacing the film my self it's the 3rd party who wanted to go through insurance even though he knew it was his fault which I had no objection too.

In these circumstances, he should have approached the other-party's insurer directly and not make a claim on his own policy.

 

[Will]

The OP said:



In these circumstances, he should have approached the other-party's insurer directly and not make a claim on his own policy.

OP reckons the TP knew it was his fault, but that doesn’t mean the TP insurer has admitted/accepted liability.

 

[MYE63]

Alot has been said PPF is a modification on this thread however speaking to other comapnies they all reckon its not a modification and something I wouldn't have to declare with them. I know each have their own underwriter however Chruchil and directline both said no as a modification its to protect paint work.

PPF is not something obvious I would've thought would've needed to be declared its a clear film that does not change the look of the car even placing a sticker on the car you can argue changes the appearance this doesn't even have Any join line for you to even see that it had it applied

The harshness of the situation is what's frustrating voiding the insurance in 24 hours and then having to declare it void going forward, not bring able to get insured on the car again.

Regarding the accident reported it to my insurance company and they took over the claim for me they sorted out repairs courtesy car ect all I just send repairers the picture of the damages and they agreed to fix the car I was waiting to get booked in. (1st time having a accident and having to go through insurance) only now I get told by my insurance company as their void my insurance that I can claim directly my self ! And I would've done so if I had know better

 

[Will]

Alot has been said PPF is a modification on this thread however speaking to other comapnies they all reckon its not a modification and something I wouldn't have to declare with them. I know each have their own underwriter however Chruchil and directline both said no as a modification its to protect paint work.

PPF is not something obvious I would've thought would've needed to be declared its a clear film that does not change the look of the car even placing a sticker on the car you can argue changes the appearance this doesn't even have Any join line for you to even see that it had it applied

The harshness of the situation is what's frustrating voiding the insurance in 24 hours and then having to declare it void going forward, not bring able to get insured on the car again.

Regarding the accident reported it to my insurance company and they took over the claim for me they sorted out repairs courtesy car ect all I just send repairers the picture of the damages and they agreed to fix the car I was waiting to get booked in. (1st time having a accident and having to go through insurance) only now I get told by my insurance company as their void my insurance that I can claim directly my self ! And I would've done so if I had know better

Our of interest how do they know it has PPF if they haven’t been to see the car and if it’s not visible or affects the insurance or the car in any way?

 

[ToeKnee]

If nothing else, this thread should be a good reminder to all to declare every and any modification to your car to your insurer.

 

[poormansporsche]

I know it's a pi££er. But I'd try to be a bit positive as imagine the nightmare if you had suffered a at fault total loss. Do what you can do and move on. A specialist broker should be able to help you get the price down a bit.

 

[Will]

Apologies if my tone come across as playing devils advocate - that’s not my intention, I’m just a bit confused with some of the circumstances. I do think the insurance company have been quite harsh here but that is their prerogative of course.

As said, it could be far worse and everyone needs to take note of this when taking out insurance. Declare absolutely everything and you won’t have this situation, it’s a poor gamble otherwise in the event of a claim.

 

[m80]

I wouldn't normally promote such, but here a solicitor who has expertise in insurance matters might make the difference.

'If' you took out legal protection the insurance might end up paying for the fight against themselves.

 

[neilrr]

MYE63,

If a PPF car is nicked off the policyholder's driveway would AXA deny the claim citing PPF modification? Could cost the unaware mucho moolah.

Go on a social media blitz to, hopefully, shame AXA into changing their mind & also to alert other car owners how exposed they are if AXA is their ins. co.

 

[MYE63]

Our of interest how do they know it has PPF if they haven’t been to see the car and if it’s not visible or affects the insurance or the car in any way?

When i sent pictures of the car to the repairers it went for estimation they asked what the "peeling was" if it was the paint peeling and I said no it's not the paint it's PPF and I think this has caused the trigger, I would've thought it didn't matter to my insurance as its being claimed form 3rd party rather than my own insurance I do understand if they can't cover it just thee harshness of situation other insurances do not class it as modification so having jt Voided just make it seems like I've tried some sort of insurance fraud and causing problems in future insurance

 

[MYE63]

MYE63,

If a PPF car is nicked off the policyholder's driveway would AXA deny the claim citing PPF modification? Could cost the unaware mucho moolah.

Go on a social media blitz to, hopefully, shame AXA into changing their mind & also to alert other car owners how exposed they are if AXA is their ins. co.

I'm going to do my best to fight this all the way specially the face other major comapnies have clearly told me they don't class it as a modification and at worse case scenario I shouldn't be black listed for life

 

[MYE63]

I wouldn't normally promote such, but here a solicitor who has expertise in insurance matters might make the difference.

'If' you took out legal protection the insurance might end up paying for the fight against themselves.

Thank you for this definitely helpful I will look into this