Aviva say they won't insure cars with PPF

[ChrisW.]

Yesterday I was asking for an insurance quote and one of the questions was, did the car have PPF.

I answered no but asked if this would have been a problem, to be told that in accident repairs the cost of removing PPF and reinstalling it made it too expensive to repair ??

Is this because it might strip or compromise any paint beneath ? The challenge of paint colour matching ... etc ?

[bennno]

Because it adds about £4k to have it applied, plus logistical challenges of getting it reapplied, plus cost and risk of removing, plus somebody wants an equivalent car whilst its in being done etc etc etc

Be easy enough just to exclude it within the policy terms and conditions.

[snotrag]

ChrisW. said:

Is this because it might strip or compromise any paint beneath ? The challenge of paint colour matching ... etc ?

Because when your car comes out of their bodyshop after a claim without any new PPF fitted, your going to complain and want it redoing - which is £XXXXs .

[Batfoy]

There's another thread running where an insurance company has denied a claim because PPF wasn't declared, their particular company viewed it as a modification. On the face of it, classing it as a mod seems daft but PPF isn't a cheap thing so I'm not entirely surprised that it's being asked about.

This particular case is interesting though in that the owner didn't know that PPF had been applied and wasn't actually claiming for it. Assessor had a look, found the PPF and denied the claim based on a non-declared modification.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Edited by Batfoy on Friday 7th February 12:16

[SV_WDC]

Looking at most popular insurers the define modifications that change the specification or cosmetics of the vehicle 'beyond the manufacturers specification.'

Presumably insurers feel that description is explicit enough but it's quite vague about what happens if you've opted for PPF application at the factory

[JohnnyUK]

Batfoy said:

There's another thread running where an insurance company has denied a claim because PPF wasn't declared, their particular company viewed it as a modification. On the face of it, classing it as a mod seems daft but PPF isn't a cheap thing so I'm not entirely surprised that it's being asked about.

This particular case is interesting though in that the owner didn't know that PPF had been applied and wasn't actually claiming for it. Assessor had a look, found the PPF and denied the claim based on a non-declared modification.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Edited by Batfoy on Friday 7th February 12:16

Indeed - I'm the OP of that thread. I will update asap, but it still isn't sorted.

[MrC986]

Interestingly, a local bodyshop said recently they thought people should be declaring ceramic coatings on their cars as it creates big problems when trying to repaint panels as you cannot simply scotch the existing paintwork to blend in and would not be obvious when the assessor's work out whether to repair or not?! Of course if a car has been resold and there hasn't been mention of a ceramic coating being applied that's another thing for an insurers to cite to avoid paying out for a repair

[ChrisW.]

Aviva said that ceramic coatings were acceptable ... but I guess this proves that they work ?

I expect that a mild rubbing compound would remove it so ... this would just be good practice and part of the job??

[neverlifted]

It is strange, if you go direct they won't cover. If you buy an Aviva policy through a specialist broker e.g. Locktons- they cover it.

[Batfoy]

I guess you have to consider the type of person that buys a Lockton insurance policy, I imagine the risk profiles are very different.

[Pinball]

I had the same thing from L&V. Swapped partway through the year from a 718 to 992 with PPF. I had arranged my insurance via a well known broker who made a note of the PPF at the time. When it came to renewal I was refused by L&V when they contacted them because of the PPF. Does raise the question of what would have happened had I made a claim on the PPF car during my cover period. A question the broker didn’t answer. With Locktons now, which was cheaper than their next best quote.

[JohnnyUK]

Read my post below to find out what happens:

https://www.pistonheads.com/gassing/topic.asp?h=0&...

[Composite Guru]

I’ve just asked my insurance company and they have told me my claims would not be accepted if I had a crash.
Had absolutely no idea this would be the case.

Does anyone have any idea what insurance companies do cover it? I have a feeling that there won’t be many?

Edit, just found LV insure cars with it fitted and got a reasonable quote. Looks like AXA have just lost a customer.

Edited by Composite Guru on Monday 10th February 20:31

[JurassicGTS]

Pinball said:

I had the same thing from L&V. Swapped partway through the year from a 718 to 992 with PPF. I had arranged my insurance via a well known broker who made a note of the PPF at the time. When it came to renewal I was refused by L&V when they contacted them because of the PPF. Does raise the question of what would have happened had I made a claim on the PPF car during my cover period. A question the broker didn’t answer. With Locktons now, which was cheaper than their next best quote.

Interesting, I asked LV as my Boxster has front end PPF and they said it was okay. I have the name of the agent and the date/time of the call noted. If it had been a coloured wrap then they would have declined.

[scrounger73]

Admiral will accept PPF but you must ask them to add it to the policy.

[jeebsy]

SV_WDC said:

Looking at most popular insurers the define modifications that change the specification or cosmetics of the vehicle 'beyond the manufacturers specification.'

Presumably insurers feel that description is explicit enough but it's quite vague about what happens if you've opted for PPF application at the factory

Some insurers ask for anything beyond the vehicle's standard specification, which opens up a whole can of worms with the amount of optional extras VAG group/Porsches have. My old B7 estate, the light on the glovebox was an optional extra. How's the person on the Clapham omnibus buying a used car supposed to know what all the optional extras on it are?

[Cheib]

I’d say insurers that insist on knowing your inside leg measurement are probably the ones that will be less willing to pay out. Whether a car has dimming mirrors or a glove box light makes absolutely no difference to the risk the insurer is taking. Obviously non OEM mods are different and you can understand why they want to know.

[Palmball]

scrounger73 said:

Admiral will accept PPF but you must ask them to add it to the policy.

Not necessary actually.

I had a Huracan last year and in the summer, someone drove into it and cracked the front bumper. Whole car was PPF'd, never declared it with Admiral. They paid out what was a very expensive claim, no questions asked (a Huracan bumper was a lot more than I expected!)....I tried my luck and asked them if they would replace the PPF and they politely told me no way.

So, no need to declare it but even if you do, they still won't cover it. Which is fair enough.

By the way, Admiral were excellent in the claim. No issues whatsoever, and no being forced to use sub par bodyshops - I was amazed that Chartwells (Derby) were on their approved list. Any notion of Admiral not being good in a claim because they're cheap is just internet conjecture in my experience.