Why Having PPF on your car could INVALIDATE your Insurance !

Comments

20 responses to “Why Having PPF on your car could INVALIDATE your Insurance !”

1. 

   @malp6280

   September 12, 2025

   ok, currently watching!!! I’m going to hazard a guess & say it gives added value…. as the insurance company insure a stock vehicle, hence modifications & value need to be declared!!! hmmm “lets see!” currently at 03:04

   ok! so yes, it was as expect!! however there’s nothing to say, a owner informs the insurance company of such wrap or ppf & clearly states they don’t want this covering as its a minor cosmetic change, without a permanent change to the vehicle…. just as you can inform the insurance company on used parts to be used on repairs, they adjust the insurance repair costs (especially if its a rare vehicle &/or costs could deem the vehicle to be written off!! I know of this being done)

   Reply
2. 

   @eddie275a

   September 12, 2025

   Yes, I found this out when I was looking to renew my GT4’s policy with Aviva (whom I had been with for several years. I had bought the car in 2018 with PPF already applied and thought nothing of it… until I spoke to Aviva. Basically they, point blank, refused cover but as my policy was due to expire within a month they allowed it to expire as normal. When asked why, they merely said it was their policy not to accept cars with PPF. 🤷‍♂

   Reply
3. 

   @owenmcdonald5922

   September 12, 2025

   Yes, check with your insurers. My understanding is that if you haven’t declared a modification and your insurers try to decline post incident the Ombudsman will consider if the modification contributed to the incident. Also, insurers cannot just walk away, they have to meet their RTA obligations.

   Reply
4. 

   @Funkyfinky

   September 12, 2025

   Tyre changes as well. I switched the run flats on mine to all season Cross Climates. Costco said I need to advise insurer, I did and they said yes they need to know and added the note to my policy. Premium was unchanged.

   Reply
5. 

   @delwynhawkins4492

   September 12, 2025

   Talk to your insurer and advise them it is or will be PPF covered. Most will just note this as a modification and it will be fine. Family have it on a number of cars and high value bikes with no issue.

   Reply
6. 

   @riggs1590

   September 12, 2025

   Insurance companies are one of the biggest con merchants out there. They will use any excuse to bump up premiums or refuse to pay out when you need them.
   I was informed by my insurance company that leaving a car in a locked secured garage can increase my premium as most garages are used for storage and the car can be damaged.
   Good time to do a Q&A video with an insurance broker?

   Reply
7. 

   @delwynhawkins4492

   September 12, 2025

   Another small observation of I may. Lockton is a broker (the largest privately owned) not an insurer. The risk is carried by someone else.

   Reply
8. 

   @Yorkshiremadmick

   September 12, 2025

   Knowing how Teflon coated insurance companies are. They wriggle more than a worm on a hook. I advised my insurance company I changed the colour of my Alloy wheels, from Silver to Tesla Grey Powder Coated one company declined to quote!
   Likewise I took my car to Volvo for Polestar to be installed at an approved Volvo Dealership, Hastings Direct then cancelled my insurance once I notified them. But Volvo took it on.

   Reply
9. 

   @shakesnbake

   September 12, 2025

   Thanks Peter – that’s really interesting and useful info as always!

   Reply
10. 

    @markgeezey1809

    September 12, 2025

    Yes to a certain extent but PPF is by virtue a protection and actually doesn’t affect the performance etc. you could say a dash cam or ghost alarm or tracker for that matter is a modification. But unless it has contributed to the accident etc then as a previous comment has said the insurance ombudsman may rule against the insurance company trying to get out of the claim. So I think it would be very unusual if they didn’t pay out. But yes better to declare it. By the way if you’re paying £4k-£6k for a PPF then you are being ripped off. The latest colour PPF yes but a standard say Expel PPF then no. Cheaper in that case to get a paint touch up or respray. PPF is certainly not infallible to deep key scratches that’s for sure.

    Reply
11. 

    @peterlloyd6337

    September 12, 2025

    All Insurance underwriters have their own risk tables based on so many factors, between insurers they don’t necessarily see risk factors in the same way. They all have their own risk appetites and these change continually.
    Likely with PPF applied to a vehicle, the insurer’s would see this as an extra cost replacing PPF if the car for example has been in an accident.
    So they’d argue if you had not declared the car had PPF then they wouldn’t realise that you had it and so they’d argue it’s extra cost rectifying PPF as well as the bodywork damage and paint rectification…..so non PPF declaration where it has been applied to the vehicle means one wouldn’t have adequate insurance cover – as the insurer’s would argue you have not declared all factors allowing them to adequately assess the risk in the first place.

    Reply
12. 

    @pt99810

    September 12, 2025

    Seems pretty obvious that a PPF protected car is most likely to cost more to repair than one without PPF, and hence to affect premiums. Insurers like to use cheap repairers who are most unlikely to be able to manage a ppf repair alongside their usual procedure, even if they wanted to do so. Insurers love to find a reason not to pay out and this is a great excuse. No surprises here.

    Reply
13. 

    @joemccall8991

    September 12, 2025

    Thanks for bringing this up, just had my 718 BGTS wrapped last month and it never occurred to me that my insurer would need to know. Off to make a phone call, it appears.

    Reply
14. 

    @SeanFairham

    September 12, 2025

    You would have thought insurance companies should give a discount to customers who have PPF. Surely this could avoid an expensive repair from say a rock chip.
    I had front end PPF on my new M4 competition I bought. I was happy to do this for my own peace of mind at my expense. If had an accident I don’t expect my insurance company to replace the PPF. So if you specify you don’t want to be insured for the PPF why should this be an issue ?

    Reply
15. 

    @andypalin3287

    September 12, 2025

    Any excuse not to pay out

    Reply
16. 

    @marki3810

    September 12, 2025

    The Alfa Romeo 4C anniversary is an example where PPF was applied by the factory

    Reply
17. 

    @peterbowsher1257

    September 12, 2025

    When a third party hit my car, their insurance company didn’t want to pay for the PPF replacement so I had to pay for it myself upfront and claim it back through uninsured losses. Took a few months but I got my money back. So it’s not just your own insurance company you’ll get problems with. I’m a great advocate for PPF and had a few cars covered and would always recommend it.

    Reply
18. 

    @driftslide8848

    September 12, 2025

    Informative video I fully PPF my GR86 was over the top on a 35k car but she’s a keeper and garage queen and highly recommend it if u want to keep your paint looking good but still needs care to look after it

    Reply
19. 

    @achilleoscostanti9654

    September 12, 2025

    A satin finish like yours has changed the appearance of the car. That’s a definite modification.

    Reply
20. 

    @paulmarc7116

    September 12, 2025

    It’s a way of denying your claim and not pay out!👍

    Reply