PPF = insurance cancellation ?

[GSite]

Hi all,

Has anyone had experience of notifying their insurance company that Paint Protection Film (PPF) has been fitted to a car for them to decline cover and issue a notice of insurance cancellation ? Some unfortunate soles have.

Problem is that all quotes ask if you have ever had insurance cancelled which increased the premium in most cases and this is for life, means that it could cost thousands over the years if you have several motor polices. Sounds dramatic but this is reality folks. I am very guarded about having PPF fitted and of course I would check this out with my insurer first. The search is on for a company that will cover the car with PPF as many insurers refuse to cover the entire car not just the PPF.

Is anyone insured with a company that covers a PPF'd car and can feed back their experiences in dealing with them ?

Cheers

 

[theoneandonly]

ii wonder if it is the same for "wrapped" cars ?

 

[GSite]

ii wonder if it is the same for "wrapped" cars ?

I would say so and then some as this involves a colour change.

 

[Wapping]

I guess it comes down as much to value and the description declared as anything else.

A PPF’d vehicle is worth more than a unPPF’d vehicle. There is little debate over that. Likewise, a PPF’d vehicle is, understandably, more expensive to repair than an unPPF’d vehicle.

I should imagine that bods are declaring their vehicle as having ‘No alterations from standard’ and ‘forgetting’ that for many vehicles a PPF protection is not done at the factory. They then claim the cost of having fresh PPF applied, following a dent or whatever. This inflates the claim; simple as…. With the end conclusion that the premium charged was too low.

If an insurer can insure a PPF protected Ferrari F40, they can most certainly insure a Ford Focus with PPF…. If it is declared to them. Keep schtum about it and possibly discover that silence is not golden.

 

[er-minio]

I’d try another insurer looks like this one doesn’t want the faff. Useless to “fight” it IMHO.

I don’t understand though: why don’t repair the car (in case of claim) without including any PPF work or any extra cost related to it? It wasn’t declared: any extra is on the owner’s dime (and seems fair to me).
At the end it is not structural.

Too simple?

 

[Wapping]

I’d try another insurer

It’s not clear if the OP has encountered the problem himself or if he is doing the equivalent of ‘Asking for a friend’.

 

[JJH]

I don’t know anything about this film. Guessing that it contains silicone? If it does it’s a nightmare in paint shops. JJH

 

[stever1]

I don’t know anything about this film. Guessing that it contains silicone? If it does it’s a nightmare in paint shops. JJH

You don’t paint it. It’s there to protect the paint. If a panel is damaged you peel it off, repair and paint the panel then re apply the PPF.

 

[GSite]

I am thinking about PPF so have not experienced cancellation of my policy, just being cautious not to get caught out if I decide to have it done.

My insurer refuses to provide any cover at all if the car has PPF, not even at increased premium, so their position is to cancel cover if advised PPF has been applied. I would of course change to a company that would provide cover rather than declare to them and end up with a history of policy cancellation by my insurer. Asking for feed back from those with experience in this matter as it seems eleven companies I have spoken to so far would take the same stance so I wonder how common this may be amongst insurers, The very points wapping makes plus other implications caused me to consider the issue further and ask the question here.

I fully appreciate their position if the PPF is not declared, but if declared I would understand if companies simply stated that the monetary value of the PPF and it's removal /replacement is not covered but otherwise the car is insured. Refusing to insure the car period seems utterly bonkers in my opinion particularly when the same company may provide cover if the policy is bought through a so called specialist broker such as Lockton Performance. Aviva for example told me they don't cover a PPF'd car at all, yet via Lockton they do. Clearly then it comes down to finances rather than the complications they preceive related to repair of said vehicle - go figure.

 

[JoeBiff]

I’ve heard of cowboys installers applying PPF and managing to trim (or cut) through the film and nicely score/damage the vehicle’s bodywork paint finish. Can you imaging how nicely that knife score-line will oxidise/rust after a year in the elements?
TBH that’s why I wouldn’t use the stuff.

 

[craigholt]

I’ve heard of cowboys installers applying PPF and managing to trim (or cut) through the film and nicely score/damage the vehicle’s bodywork paint finish. Can you imaging how nicely that knife score-line will oxidise/rust after a year in the elements?
TBH that’s why I wouldn’t use the stuff.

Pre cut panels - no knives anywhere near the vehicle on a professional install.

The only knives are used to spread butter on the installers morning toast.

 

[Engineer]

What does PPF protect against?

 

[JoeBiff]

Pre cut panels - no knives anywhere near the vehicle on a professional install.

The only knives are used to spread butter on the installers morning toast.

Odd.
One random google search, see

How to Install Paint Protection Film: A Step-by-Step Guide

Applying paint protection film requires careful attention and a systematic approach. Learn how to install paint protection film from The Detail Doc!

www.thedetaildoc.co

See Trimming paragraph halfway down the page.

But, hey, it’s still not for me.

 

[craigholt]

Odd.
One random google search, see

How to Install Paint Protection Film: A Step-by-Step Guide

Applying paint protection film requires careful attention and a systematic approach. Learn how to install paint protection film from The Detail Doc!

www.thedetaildoc.co

See Trimming paragraph halfway down the page.

But, hey, it’s still not for me.

The OP could also have used Google, but looking for real world feedback.

Doubt he is likely to book into a business based in Michigan LOL.

 

[Wapping]

What does PPF protect against?

Insurance, apparently.

 

[wessie]

What does PPF protect against?

poverty in the car detailing industry

 

[beemerboy9]

What does PPF protect against?

Scratching the colour-matched panniers on the BMW 1250RT and K1600x when either we or our pillions mount our awesome steeds. Great for protection for tanks and front mudguards

 

[Engineer]

Scratching the colour-matched panniers on the BMW 1250RT and K1600x when either we or our pillions mount our awesome steeds. Great for protection for tanks and front mudguards

Does the PPF scratch?

 

[craigholt]

Does the PPF scratch?

Effectively yes. Most modern films self heal - direct heat, or sunlight will see any marks disappear.

 

[Wapping]

Does the PPF scratch?

Think of it like a clear, unobtrusive, tank protector, as beloved when you were a youth.

Or just watch a YouTube video.