Does PPF, dashcam count as modifications for insurance?

[deto911]

Googling this gives me mixed results. I have PPF, dashcam and a different set of alloys on the new-to-me car, all work done at the official dealer (buying pre-owned) and am trying to understand how to declare it when getting insurance quotes. Any advice in this area would be appreciated!

[mmm-five]

If in doubt, declare the lot...especially if using any of the comparison sites as they'll not always ask/offer exactly the same categories as going direct will.

[TrotCanterGallopCharge]

mmm-five said:

If in doubt, declare the lot...especially if using any of the comparison sites as they'll not always ask/offer exactly the same categories as going direct will.

+1 This. They can then choose what affects the price, eg, I had a 'winter pack' as an manufacturer supplied optional extra, but it didn't affect policy cost.

PPF can make things a lot more expensive for insurance companies to repair, especially if the whole car is done.

[deto911]

I also realised that on most online quotes, there isnt even an area for saying PPF. Most modification dropdowns dont have that option, so all I can do is "other"

[swisstoni]

deto911 said:

I also realised that on most online quotes, there isnt even an area for saying PPF. Most modification dropdowns dont have that option, so all I can do is "other"

I would expect selecting ‘other’ might trigger a phone number to call. If it doesn’t, I’d call up anyway.

[kambites]

In my experience if you don't declare it, it won't be replaced at the insurers cost if you need to claim against your own insurance for a repair. It won't have any other effect though.

[pocketspring]

Speak to them direct as most calls are recorded just in case the worst happens.

[alscar]

Speaking direct is just easier.
Anything not factory fitted is usually the rule although dealer fit items can also be a grey area.
Things like PPF , Dashcams and particularly alternative alloy wheels should definitely be advised to the Insurer.

[_Hoppers]

"Insurance voided due to car having PPF! HELP PLEASE!"

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

Go to P19 for the punchline!

[e-honda]

TrotCanterGallopCharge said:

+1 This. They can then choose what affects the price, eg, I had a 'winter pack' as an manufacturer supplied optional extra, but it didn't affect policy cost.

PPF can make things a lot more expensive for insurance companies to repair, especially if the whole car is done.

You got anything to support this claim?
It's whole purpose is to do the exact opposite

[Hol]

e-honda said:

TrotCanterGallopCharge said:

+1 This. They can then choose what affects the price, eg, I had a 'winter pack' as an manufacturer supplied optional extra, but it didn't affect policy cost.

PPF can make things a lot more expensive for insurance companies to repair, especially if the whole car is done.

You got anything to support this claim?
It's whole purpose is to do the exact opposite

Yes, Its purpose is to protect paintwork from stone chips, but it won’t help at all if someone stoves in (for example) a rear quarter. It’s effectively nothing more than a clear wrap.

If a whole car costs £2500 upwards for PPF a rear panel is going to cost at least an extra £500 at a specialist company on top of the standard cost of paint repair,.

That standard paint repir will also include an additional cost to remove the PPF and glue residue before the bodywork phase can even start. That removal and prepare will more than likely require the film to be removed from adjoining panels so the new paint and clearcoat can be blended in to those adjoining panels.

So, now we have three potential £500 panels that require PPF removal and re application, plus additional labour to prepare them for paint. Plus, the additional hire car time, that has to be added in to the mix whilst the car is transported to/from the PPF installer/detailer.

https://www.pyramidcarcare.co.uk/ppf/#:~:text=Pain...

I’m not a body or paint specialist, but I know enough about cars to understand the plainly obvious.

Edited by Hol on Friday 29th March 06:28

[200Plus Club]

I can say for certain that clear PPF has to be declared (with Admiral at least) after speaking to them.
When you get to paying online you list it as "external decorative modifications ", I saved their chatbox response saying to do so.
It made zero/minimal difference to the quoted price.

[Biker9090]

Declare the dashcam but tell them it won't be on all the time.

[e-honda]

Hol said:

e-honda said:

TrotCanterGallopCharge said:

+1 This. They can then choose what affects the price, eg, I had a 'winter pack' as an manufacturer supplied optional extra, but it didn't affect policy cost.

PPF can make things a lot more expensive for insurance companies to repair, especially if the whole car is done.

You got anything to support this claim?
It's whole purpose is to do the exact opposite

Yes, Its purpose is to protect paintwork from stone chips, but it won’t help at all if someone stoves in (for example) a rear quarter. It’s effectively nothing more than a clear wrap.

If a whole car costs £2500 upwards for PPF a rear panel is going to cost at least an extra £500 at a specialist company on top of the standard cost of paint repair,.

That standard paint repir will also include an additional cost to remove the PPF and glue residue before the bodywork phase can even start. That removal and prepare will more than likely require the film to be removed from adjoining panels so the new paint and clearcoat can be blended in to those adjoining panels.

So, now we have three potential £500 panels that require PPF removal and re application, plus additional labour to prepare them for paint. Plus, the additional hire car time, that has to be added in to the mix whilst the car is transported to/from the PPF installer/detailer.

https://www.pyramidcarcare.co.uk/ppf/#:~:text=Pain...

I’m not a body or paint specialist, but I know enough about cars to understand the plainly obvious.

Edited by Hol on Friday 29th March 06:28

It isn't just for stone chips
Read the story from the thread above.
They had 4 panels that would have required repainting, instead they needed a scratch painting and the ppf reapplied at just over £1500
Insurers don't necessarily have to cover the cost of reapplication of the ppf in which case the cost would have gone down from a few thousand to a few hundred.

[alscar]

e-honda said:

You got anything to support this claim?
It's whole purpose is to do the exact opposite

The whole purpose of having PPF is not for the benefit of Insurers but for the benefit of appearance and the owner.
This does not absolve the owner from telling the Insurers of its existence though as given they are not telepathic any subsequent claim to the car might well involve additional expense for the Insurer for which the owner hasn't paid a possible additional premium for.

[e-honda]

alscar said:

The whole purpose of having PPF is not for the benefit of Insurers but for the benefit of appearance and the owner.
This does not absolve the owner from telling the Insurers of its existence though as given they are not telepathic any subsequent claim to the car might well involve additional expense for the Insurer for which the owner hasn't paid a possible additional premium for.

Well if you read the other thread the ombudsman seems to disagree

[alscar]

e-honda said:

Well if you read the other thread the ombudsman seems to disagree

In the case of that Axa thread yes I know but my point remains that why wouldn't you at least mention to the Insurer rather than have issues if and unfortunately when you have to claim ?
Its a bit like getting the cheapest policy you can and then having hassle potentially with repairs.
Fine for some but personally I don't like hassle although perfectly happy to fight my corner.
Insurance is about putting you back into the same Financial position as you were prior to the loss but you as the Insured also have to behave with good faith just as the Insurer does.

[Hol]

e-honda said:

Hol said:

e-honda said:

TrotCanterGallopCharge said:

+1 This. They can then choose what affects the price, eg, I had a 'winter pack' as an manufacturer supplied optional extra, but it didn't affect policy cost.

PPF can make things a lot more expensive for insurance companies to repair, especially if the whole car is done.

You got anything to support this claim?
It's whole purpose is to do the exact opposite

Yes, Its purpose is to protect paintwork from stone chips, but it won’t help at all if someone stoves in (for example) a rear quarter. It’s effectively nothing more than a clear wrap.

If a whole car costs £2500 upwards for PPF a rear panel is going to cost at least an extra £500 at a specialist company on top of the standard cost of paint repair,.

That standard paint repir will also include an additional cost to remove the PPF and glue residue before the bodywork phase can even start. That removal and prepare will more than likely require the film to be removed from adjoining panels so the new paint and clearcoat can be blended in to those adjoining panels.

So, now we have three potential £500 panels that require PPF removal and re application, plus additional labour to prepare them for paint. Plus, the additional hire car time, that has to be added in to the mix whilst the car is transported to/from the PPF installer/detailer.

https://www.pyramidcarcare.co.uk/ppf/#:~:text=Pain...

I’m not a body or paint specialist, but I know enough about cars to understand the plainly obvious.

Edited by Hol on Friday 29th March 06:28

It isn't just for stone chips
Read the story from the thread above.
They had 4 panels that would have required repainting, instead they needed a scratch painting and the ppf reapplied at just over £1500
Insurers don't necessarily have to cover the cost of reapplication of the ppf in which case the cost would have gone down from a few thousand to a few hundred.

The question was ‘does PDF make it more expensive to repair’.?

If you already knew it did, why ask?

[e-honda]

Hol said:

The question was ‘does PDF make it more expensive to repair’.?

If you already knew it did, why ask?

I didn't ask if it makes it more expensive to repair
I asked if you had anything to back up your claims that it does because as far as I am concerned it does the exact opposite.

[MYOB]

Biker9090 said:

Declare the dashcam but tell them it won't be on all the time.

Why do we need to declare the dashcam? This isn’t a modification.