PPF = insurance cancellation ?

[GSite]

When you fill the insurance form online it doesn't ask about PPF, so I wouldn't declare it,
I don't see it as something that needs adding under "Modifications" either.

I've got stickers on my top box.... I never said a word about it

Sounds a risky strategy, just because the drop down menu does not list PPF, does not mean you don't have to declare it in the insuance company's opinion at the point of buying the policy, although may or may not win the case for this if it ever came to the crunch.

Companies have actually cancelled insurance on cars for this reason and the person then has to declare this in future quotations. When or if asked why, they may find a none disclosure tag on their insurance record for life = expensive long term.
Sounds like drama queen bleating, but why take the chance with all the grief invloved in fighting it later, just declare it amd be safe.

The Financial Services Ombudsman has been involved in a case with LV and his report makes interesting reading, ref DRN-5206753

 

[JoeBiff]

When you fill the insurance form online it doesn't ask about PPF, so I wouldn't declare it,
I don't see it as something that needs adding under "Modifications" either.

I’m inclined to agree with you.
But, I still think PPF is best kept for wrapping your sandwiches up in.

 

[SBD]

I'm guessing the insurance sensitivity is that some owners might declare PPF when they mean Wrap. And then some prat ends up driving a full camo Bentley. Sorry, mate, didn't see you.

Wrap is good stuff, Mercedes don't make baby-shit brown German taxis. They're all wrapped, and eventually unwrapped, and sold on.

£5k seems a bit fekkin steep tho'

 

[Barnoe]

Insurance companies take the biscuit.
How is the wrap a higher risk?

I better ask my mate if he asked his insurance after wrapping his V-Strom

Before....


After...


Much better but at what cost?

 

[GSite]

Finally got some sort of pseudo-outcome to the issue with my current polcy - when posted originally it seemed my insurance company don't cover ppf'd cars and this is repeated in their latest online policy booklet. When I spoke to the broker I bought the policy through to ask the question, they looked for a description in their menu, but could not find one meaning that they would just make a note on my file with no additonal premium calculated as the product could not be altered to reflect PPF as a modification. It seems that policies via a broker may not be exactly the seem insurance product and as I now have the above in writing, I guess that is the best I can hope for at this point. Just don't have confidence that the actual underwriter would accept a broker "note" in the event of a claim so may wait until renewal early next year by which time I may well have found a company that do cover PPF from onset of the policy rather than make a change part way through the year. If I go down the PPF route I guess that timing this to coincide with a new policy starting may be safest option.

 

[GSite]

Well it's kicked off again now my renewal is due.
Phoned broker to accept and pay as price seemed fair, but asked for confirmation that the PPF they had accpeted previously was not an issue despite being advised that all cover T&Cs were the same as my current policy.
Broker advised me that the previous information they had provided as above in Oct 2025 was incorrect and in fact my insurer LV would not cover the car period ! Begs the question if in fact the car had been insured to this point, they say it would as the error was theirs, but try debating that with the Insurance company if it came to a claim. Now trying to find companies to even quote as the drop down menus online or at the disposal of telephone advisors have a limited range of options and if PPF is not on that list the computer says no. The main options appear to be "PPF as manufacturer option" , "Viynl / plastic wrap", "stickers/stipes" and "none standard paintwork". There will be cover available somewhere but I suspect at at a much increased price, don't mind paying a fair rate for this but not nearly double the base premium.

This inflexibility is staggering and in most cases there is not the option to discuss with an underwriter directly to get some common sense and reason to this as per the good old days, LOL.

As PPF is now more common place I would have thought adding it to the drop down menu would be easy peasy, I suspect insurers may not want the hassle of dealing with a claim involving PPF as it introduces additional third parties to replace it if the policy covers this.

Interestingly Direct Line state they do not cover none manufacturer fitted mods, why do they refuse to cover a PPF'd car at all ?
I told them that I would be fine with the PPF itself not being covered but this cuts no ice, got the feeling that may providers will have the same approach.

Seems there will be numerous extended phone calls over the next week so we shall see, wish me luck.

 

[GSite]

Thought it may be useful for anyone looking at PPF to consider my findings after spendimg most of the day on this, both online and on the telephone.

Have to say that I am shocked (which does not happen easily) by the above which appears to be far more widespread than originally thought. Complete waste of time using comparison sites as they do not have the appropriate lisitng on drop down menus for PPF modifications, phoning the broker does not change things as they do not have direct contact with underwriters who can make a decision, so the answer if simply quote declined.

Move onto insurance companies direct in the hope that their underwriting department may be ble to help, sadly not and we are talking big players such as Aviva, Ageas, Axa, LV, Direct line, Churchill, UK Insurance, Hastings and dare I say it Markerstudy group owned set-ups such as Co-op.

Next, so called specialist brokers who bragg about covering modified vehicles, Acorn, Gallagher and Haven who in some cases could cover a PPF'd car but an extortionate price with large policy excess.

Then Adrian Flux who seem to have negotiated a degree of flexibility with some of the major players listed above who can cover PPF at full value albeit at 50% more than my renewal based on no PPF. Huge excess too, £975 vs £450 in the renewal.
Take out an excess protection policy to cover this at £40 or so and Adrian Flux may be the way to go.

Looking at the viability of PPF at initial cost of £3000 for the whole car plus 5 years of additonal premiums at say £1500, it seems better to put away say £4500 to cover the cost of paint repairs that the PPF is designed to prevent.

 

[wessie]

Looking at the viability of PPF at initial cost of £3000 for the whole car plus 5 years of additonal premiums at say £1500, it seems better to put away say £4500 to cover the cost of paint repairs that the PPF is designed to prevent.

sounds like my view on extended warranties that people pay £350+ a year for. Better to save the cash into a savings account each year and use this cash for repairs if needed. Over the course of 47 years of vehicle ownership, I have saved many thousands by not buying these extensions.

 

[er-minio]

Looking at the viability of PPF at initial cost of £3000 for the whole car plus 5 years of additonal premiums at say £1500, it seems better to put away say £4500 to cover the cost of paint repairs that the PPF is designed to prevent.

Makes a lot of sense.

Have you tried Admiral? Been insuring my cars for them for more than a decade and always found them decent.
I recently bought new wheels ("alloys" I think is the parlance) for my car and, to my surprise, they didn't ask extra to add them to the policy (they won't cover them - that is what I expected and wanted) but 19 quid fee to amend the policy.

Also: I am getting a lot of adverts on Instagram (those days I install in on the phone, that is) from some insurers that do special or "project" cars. Might worth to give them a call as their policies are probably designed to better cater to non bog standard vehicles.

 

[GSite]

Yes tried Admiral, no joy. Researched a few specialist brokers tonight and will progress these as the best deal at present is 55% over my renewal without PPF which sticks in my gullet somewhat, thanks anyway.

 

[littleade]

Have you considered just getting it ceramic coated instead, not as good as PPF, but a possible option that won't increase your premiums ?

 

[JohnnyBoxer]

Peel off the PPF ?

 

[GSite]

Seems obvious but that would be chucking away £3000 to save £300 a year on premiums. The pot for paint repairs reduces to circa £1500 over 5 years which is not enough of a margin on a newish Porka.