Insurance with PPF

[Tony718]

Hi all,

I am getting some insurance quotes for my 718 Spyder and some companies have said they won’t insure if the car has PPF. Has anyone found the same? Which companies are we using to insure our GT4s/ Spyders?

Thanks for your help.

[MrVert]

If true….that’s flipping bonkers….never had a problem before.

Been with A Plan & Admiral.

[Fnumber1user]

I presume you mean they won't account for the PPF within any insurance policies, rather than not willing to insure the car because of PPF (which is how your opening post could be interpreted)???

[Tony718]

MrVert said:

If true….that’s flipping bonkers….never had a problem before.

Been with A Plan & Admiral.

I know it’s completely nuts! I will try Admiral.

[Tony718]

Fnumber1user said:

I presume you mean they won't account for the PPF within any insurance policies, rather than not willing to insure the car because of PPF (which is how your opening post could be interpreted)???

Sorry that wasn’t clear. I mean there are unwilling to insure the car if I go ahead with PPF. I understand direct line and Aviva will not insure.

[Bincenzo]

That’s ludicrous. Admiral certainly do as I’ve just made a claim.

[julian987R]

Tony718 said:

Hi all,

I am getting some insurance quotes for my 718 Spyder and some companies have said they won’t insure if the car has PPF. Has anyone found the same? Which companies are we using to insure our GT4s/ Spyders?

Thanks for your help.

Suspect the person you are liaising with thinks PPF is something else, maybe? Ask to speak to a supervisor or someone else.

[Tony718]

julian987R said:

Suspect the person you are liaising with thinks PPF is something else, maybe? Ask to speak to a supervisor or someone else.

I thought that too but the underwriter confirmed. I said it’s not a vinyl wrap or colour change. Think I will have to use a broker rather than going direct.

[julian987R]

Tony718 said:

julian987R said:

Suspect the person you are liaising with thinks PPF is something else, maybe? Ask to speak to a supervisor or someone else.

I thought that too but the underwriter confirmed. I said it’s not a vinyl wrap or colour change. Think I will have to use a broker rather than going direct.

Why do you even need to speak with someone when getting car insurance? its all online. You can detail any modifications. Why speak with anyone? makes no sense.

[supersport]

Does it even count as a declarable modification?

A ceramic coat or wax surely doesn’t, why would PPF.

[Twinfan]

supersport said:

Does it even count as a declarable modification?

A ceramic coat or wax surely doesn’t, why would PPF.

What's a non-declarable modification?

Anything that changes the car from factory spec is a modification. The only exception I can think of are non-OEM consumables - tyres, brake pads/discs etc.

[Tony718]

julian987R said:

Why do you even need to speak with someone when getting car insurance? its all online. You can detail any modifications. Why speak with anyone? makes no sense.

It would be a change to my existing car insurance policy so I called them but much prefer the online route normally.

[ab8]

I also had problems with PPF on my 718 Spyder. Ultimately I had the PPF excluded from cover, but it took underwriters a couple of days to consider whether to write the risk at all. amongst other things, they wanted to know who the installer was!?!

[Far Cough]

Its a sticker, why would you even mention it ?

[Monch]

julian987R said:

Why do you even need to speak with someone when getting car insurance? its all online. You can detail any modifications. Why speak with anyone? makes no sense.

Exactly my thoughts.

I don't call my broker, he calls me, we go out for lunch, have a few drinks and I update him on the cars, houses and buildings etc.
He then goes away, gets the best policies for me and then we meet up again for a few drinks and choose which one....

Buying online is cheap, great if you want cheap.... same as holidays.
I never buy my holidays online either.....

[elisered]

I’m with Manning and I’ve never been asked about or declared my PPF.

Can’t understand why cover would be refused full stop - an additional premium or not covered perhaps. Not too bothered about it being covered in my case - more important to have an agreed value, choice of repairer, OEM parts etc.

[Twinfan]

The issue might be that if you don't declare it as a modification your entire insurance is invalid, not just the PPF part...

[DJMC]

If you have a prang the ppf has to be removed, body repainted, ppf re-applied. Unknown cost to insurer, hence why they won't insure. Simples.

Also, ppf will invalidate Porsche warranty as it's an aftermarket accessory.

[le_gazman]

DJMC said:

Also, ppf will invalidate Porsche warranty as it's an aftermarket accessory.

What??

[julian987R]

DJMC said:

If you have a prang the ppf has to be removed, body repainted, ppf re-applied. Unknown cost to insurer, hence why they won't insure. Simples.

Also, ppf will invalidate Porsche warranty as it's an aftermarket accessory.

I assume then if one goes with the option for PPF from Porsche then it is fine?
Something seems totally crackers about this thread.
So all those Porsche owners exiting Topaz (and the like) are invalidating their insurance?