Insurance voided due to car having PPF! HELP PLEASE!

[SteveKTMer]

surveyor_101 said:

Having dealt with AXA they are shameful!!!

Most of the repair centres in my area refuse to work for them, I had to drive 30-40miles just to get to one of their approved shops.

I agree with this, they used to be a top insurer and they are now pretty much at the bottom of the pile.

Don't touch their travel insurance either ! My girlfriend was taken ill on holiday and needed an urgent operation - AXA wouldn't even talk to me until I provided air tickets to the hospital to fax (yes, FAX, in 2016 !) to them to prove when we entered the country. They then contacted her GP and all of her notes sent by courier to Zurich to their team of repudiators to try to find anything they could use to repudiate the claim. She had three operations, almost died and was still in hospital when I came home with the children (for school) and at the airport AXA wanted me to fax them my agreement to pay all costs if they sent a sea level flight to take her home, which is what was going to happen. I had to agree verbally to pay about £100k of costs for intensive care and return flight for her, they then got the plane organised and sent a theatre nurse and A&E consultant on a private jet to collect her.

AXA are the utter scum of the insurance world, I wouldn't take their insurance if it was free, despite 30 years ago being quite pleased if the best quote came from AXA. They represent too much of a risk.

[Rufus Stone]

bad company said:

From the Aviva app chat box:-

We say a vehicle's modified when it has internal or external alterations that weren't part of the manufacturer's original specification or weren't fitted as an optional extra to the vehicle when it was new.

So could my Ghost immobiliser & dash cam be defined as ‘alterations’? I’d say not but a bit ambiguous imo.

God forbit you change the dust caps.

[PlywoodPascal]

Rufus Stone said:

bad company said:

From the Aviva app chat box:-

We say a vehicle's modified when it has internal or external alterations that weren't part of the manufacturer's original specification or weren't fitted as an optional extra to the vehicle when it was new.

So could my Ghost immobiliser & dash cam be defined as ‘alterations’? I’d say not but a bit ambiguous imo.

God forbit you change the dust caps.

or tyres

[Pincher]

Which box do you even tick when you want to add PPF? Doesn't look like any of the standard options apply?

[bad company]

PlywoodPascal said:

Rufus Stone said:

bad company said:

From the Aviva app chat box:-

We say a vehicle's modified when it has internal or external alterations that weren't part of the manufacturer's original specification or weren't fitted as an optional extra to the vehicle when it was new.

So could my Ghost immobiliser & dash cam be defined as ‘alterations’? I’d say not but a bit ambiguous imo.

God forbit you change the dust caps.

or tyres

I asked Aviva directly on a web chat. They responded:-

Ghost immobiliser and dash cams are allowed and not classed as alterations.

[BertBert]

SteveKTMer said:

I agree with this, they used to be a top insurer and they are now pretty much at the bottom of the pile.

Don't touch their travel insurance either ! My girlfriend was taken ill on holiday and needed an urgent operation - AXA wouldn't even talk to me until I provided air tickets to the hospital to fax (yes, FAX, in 2016 !) to them to prove when we entered the country. They then contacted her GP and all of her notes sent by courier to Zurich to their team of repudiators to try to find anything they could use to repudiate the claim. She had three operations, almost died and was still in hospital when I came home with the children (for school) and at the airport AXA wanted me to fax them my agreement to pay all costs if they sent a sea level flight to take her home, which is what was going to happen. I had to agree verbally to pay about £100k of costs for intensive care and return flight for her, they then got the plane organised and sent a theatre nurse and A&E consultant on a private jet to collect her.

AXA are the utter scum of the insurance world, I wouldn't take their insurance if it was free, despite 30 years ago being quite pleased if the best quote came from AXA. They represent too much of a risk.

This pretty much mirrors my travel insurance experience (although not with Axa). Claim completely refused for spurious reasons and I picked up the medical and repatriation costs.

[bad company]

BertBert said:

SteveKTMer said:

I agree with this, they used to be a top insurer and they are now pretty much at the bottom of the pile.

Don't touch their travel insurance either ! My girlfriend was taken ill on holiday and needed an urgent operation - AXA wouldn't even talk to me until I provided air tickets to the hospital to fax (yes, FAX, in 2016 !) to them to prove when we entered the country. They then contacted her GP and all of her notes sent by courier to Zurich to their team of repudiators to try to find anything they could use to repudiate the claim. She had three operations, almost died and was still in hospital when I came home with the children (for school) and at the airport AXA wanted me to fax them my agreement to pay all costs if they sent a sea level flight to take her home, which is what was going to happen. I had to agree verbally to pay about £100k of costs for intensive care and return flight for her, they then got the plane organised and sent a theatre nurse and A&E consultant on a private jet to collect her.

AXA are the utter scum of the insurance world, I wouldn't take their insurance if it was free, despite 30 years ago being quite pleased if the best quote came from AXA. They represent too much of a risk.

This pretty much mirrors my travel insurance experience (although not with Axa). Claim completely refused for spurious reasons and I picked up the medical and repatriation costs.

AXA no longer offer travel insurance in the UK. When they did I had a claim when I got Covid in Florida. No problems at all they paid for the additional hotel expenses and changed flights.

[e-honda]

bad company said:

From the Aviva app chat box:-

We say a vehicle's modified when it has internal or external alterations that weren't part of the manufacturer's original specification or weren't fitted as an optional extra to the vehicle when it was new.

So could my Ghost immobiliser & dash cam be defined as ‘alterations’? I’d say not but a bit ambiguous imo.

Don't forget to tell them you have fitted retro reflective plates to the front and rear of your car, they definitely seem like external alterations.

[bentley01]

Interesting topic. So I declared PPF to Admiral on the phone and waited whilst they went to check if it loaded the policy. On checking my policy documents though it shows no modifications. I guess if I needed to argue the case with them the phone calls are recorded.

[Acuity30]

bentley01 said:

Interesting topic. So I declared PPF to Admiral on the phone and waited whilst they went to check if it loaded the policy. On checking my policy documents though it shows no modifications. I guess if I needed to argue the case with them the phone calls are recorded.

They put a note on your account to say it is declared on their end. That's what the note section is for

[200Plus Club]

bentley01 said:

Interesting topic. So I declared PPF to Admiral on the phone and waited whilst they went to check if it loaded the policy. On checking my policy documents though it shows no modifications. I guess if I needed to argue the case with them the phone calls are recorded.

When you apply online you tick the box for exterior decorative alterations. I have it on an email from admiral as proof.