Insurance voided due to car having PPF! HELP PLEASE!
Discussion
Hi All !
I would really appreciate some help and any advice on the matter below please.
I was insured by AXA car insurance and they voided my insurance policy due to the car having a modification which I didn't disclose to them. The car has PPF (Paint Protection Film) on it which was on the car 2 years prior to me purchasing the car. To my understanding a modification is something that changes the aesthetic looks or even the performance of the car and this does neither as it's simply there to protect the car from stone chips and scratches. Hence when insuring my car, I wasn't aware that this had to be disclosed, so the non disclosure was non- intentional.
They voided the insurance providing me with only 24 hours notice despite me trying to appeal the decision on the basis that it does not modify the look of the car or change the paint work in any way, rather it's there to protect the car and speaking to a few other insurance they said they wouldn't classify it as a modification.
My issue is the harshness of the term "voidance" which is now black listing me which means when I'm trying to get insurance with other insurance providers I'm getting quotes in the region of £10,000.00!! This is going to be the case for the foreseeable future.
Can anyone help on this matter or shed some light onto it as I'm currently without a car and have no way of getting around apart from Uber which can become very costly (especially as I have 2 young kids who need dropping and picking up from two different schools).
Thank you in advance
I would really appreciate some help and any advice on the matter below please.
I was insured by AXA car insurance and they voided my insurance policy due to the car having a modification which I didn't disclose to them. The car has PPF (Paint Protection Film) on it which was on the car 2 years prior to me purchasing the car. To my understanding a modification is something that changes the aesthetic looks or even the performance of the car and this does neither as it's simply there to protect the car from stone chips and scratches. Hence when insuring my car, I wasn't aware that this had to be disclosed, so the non disclosure was non- intentional.
They voided the insurance providing me with only 24 hours notice despite me trying to appeal the decision on the basis that it does not modify the look of the car or change the paint work in any way, rather it's there to protect the car and speaking to a few other insurance they said they wouldn't classify it as a modification.
My issue is the harshness of the term "voidance" which is now black listing me which means when I'm trying to get insurance with other insurance providers I'm getting quotes in the region of £10,000.00!! This is going to be the case for the foreseeable future.
Can anyone help on this matter or shed some light onto it as I'm currently without a car and have no way of getting around apart from Uber which can become very costly (especially as I have 2 young kids who need dropping and picking up from two different schools).
Thank you in advance
Terminator X said:
Send a letter to their complaints dept. If that goes nowhere send a letter of complaint to the ombudsman.
TX.
Ive started the complaint procedure with the company it can take up to 8 weeks, and then another 8 weeks with the ombudsman to resolve the issue. In the meantime I'm still stranded with out a car. TX.
Jesus, that sounds ridiculous!!!!
I swapped out my knackered OEM alloy wheels on my car for an aftermarket set. I called my insurer to inform them of the change, & they said the wheels were not considered a modification. Apparently all their calls are 'recorded for training purposes...', so if the s
t does hit the fan, I hopefully won't end up in the OP's situation.
I swapped out my knackered OEM alloy wheels on my car for an aftermarket set. I called my insurer to inform them of the change, & they said the wheels were not considered a modification. Apparently all their calls are 'recorded for training purposes...', so if the s
t does hit the fan, I hopefully won't end up in the OP's situation.PPF costs money.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
davek_964 said:
PPF costs money.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
Do I have to declare ceramic coating on my paint? If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
Lee540 said:
davek_964 said:
PPF costs money.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
Do I have to declare ceramic coating on my paint? If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
davek_964 said:
PPF costs money.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
I can understand the point you're making, however given the PPF is not going to contribute in any way to an accident, surely the sensible thing to do would be for them to say 'we're not paying for the PPF to be replaced as it wasn't declared'. To void the insurance because of it seems way over the top.If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
davek_964 said:
The OP doesn't seem to be saying this dispute was due to a claim.
How did the insurers find out that you had undeclared PPF in order to void your insurance?
This was about to be my question.How did the insurers find out that you had undeclared PPF in order to void your insurance?
Given that the PPF was done before you bought the car I'm not sure how reasonable Axa are even being as I would bet the vast majority of clients wouldn't even think to mention and arguably if the PPF was total coverage might not know anyway ?
alscar said:
Meant to add that I agree with Davek in that technically this is a modification but cancelling your policy seems very drastic ( it could have have been easily sorted with them I would suggest ) so will await further clarification from OP.
I’m guessing it went in for a claim and they are trying to weazel out of paying up on a technicality. Otherwise how else would they find out about the wrap? Doesn’t sound like the OP called them to declare it, otherwise would just have been told the policy isn’t valid and would be charged an admin fee for cancellation, rather than get a marker against his name.Edited by wyson on Thursday 16th February 12:05
MrBnz said:
Terminator X said:
Send a letter to their complaints dept. If that goes nowhere send a letter of complaint to the ombudsman.
TX.
Ive started the complaint procedure with the company it can take up to 8 weeks, and then another 8 weeks with the ombudsman to resolve the issue. In the meantime I'm still stranded with out a car. TX.
TX.
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