Insurance voided due to car having PPF! HELP PLEASE!
Discussion
Rufus Stone said:
mmm-five said:
But if they specifically say "no modifications" would you expect them to list every little item they consider as a 'modification'...down to alloy valve caps or magic tree air fresheners?
If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
They do list several specifics though, so why not the wrap?If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
Based on what they have published they apparently could indeed void your insurance due to an air freshener.
I may be wrong but have asked the question earlier.
Ham_and_Jam said:
Lee540 said:
Do I have to declare ceramic coating on my paint?
I have a separate scratch and dent insurance that specifically excludes any repairs to cars that have ceramic coatings. They create a lot of extra work when repairing panels that need blending.Rufus Stone said:
They do list several specifics though, so why not the wrap?
Based on what they have published they apparently could indeed void your insurance due to an air freshener.
Yes, it's crap, and why I've been 'overly' honest with mine...as there is more value in the mods on mine than in the car itself (probably).Based on what they have published they apparently could indeed void your insurance due to an air freshener.
Hopefully the OP has just misunderstood the 'voidance' and it's just been unwound, but we'll have to wait and see.
This was mine where the cost of the PPF was refused, but the policy was not voided (although there was a long-running argument about the £3500 cost of credit hire car for a £1700 repair, due to the 3rd party stalling repair approval)...
Edited by mmm-five on Thursday 16th February 14:55
Caddyshack said:
I am guessing that the "what is that peeling from the front" question they asked the OP may show a different colour car underneath and MAY be a colour change wrap as opposed to PPF and maybe the underwriters too issue with the fact they were being fobbed off with a wrap being dismissed as PPF?
I may be wrong but have asked the question earlier.
I doubt that's the case. I rather think the OP would have thought it slightly odd that he was buying a car that was a different colour at the front : I may be wrong but have asked the question earlier.
MrBnz said:
I was only aware of the FULL car having PPF when the involve was provided as i originally thought it was the front only.
Caddyshack said:
I am guessing that the "what is that peeling from the front" question they asked the OP may show a different colour car underneath and MAY be a colour change wrap as opposed to PPF and maybe the underwriters too issue with the fact they were being fobbed off with a wrap being dismissed as PPF?
I may be wrong but have asked the question earlier.
The OP has said the PPF doesn't change the appearance of the car, so likely you are wrong.I may be wrong but have asked the question earlier.
Looks like it has been an issue on PH in the past-
https://www.pistonheads.com/gassing/topic.asp?h=0&...
https://www.pistonheads.com/gassing/topic.asp?h=0&...
MrBnz said:
Red9zero said:
That says wrap. How much of the car has ppf ?
I was only aware of the FULL car having PPF when the involve was provided as i originally thought it was the front only. They calcifying it as a wrap of the car as that the only category they can put it under?
PPF goes on surfaces exposed to road-rash.
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.
So I use my car for a wedding and tie a ribbon on is that a declarable modification?
On a commercial basis, absolutely. Otherwise read the policy.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.
So I use my car for a wedding and tie a ribbon on is that a declarable modification?
mmm-five said:
The insurer/underwriter are probably just using the term 'wrap' to mean any non-permanent vinyl covering.
You can't really argue that it's not just a transparent non-permanent vinyl covering!
Wonder whether they'd class a sprayed on plastic coating as the same?
However, I do think it's a bit harsh. BTW, is this 'voidance' completely 'undone' the policy so that you don't have to declare it under the 'ever had insurance cancelled or voided', or is more of a "an errors been made...please take your business elsewhere"?
That is what I'm thinking they said I'm not insured from day 1 and are refunding the money so technically ive never had insurance with them in the 1st place so its not being a void as they haven't taken any money from me? they saying they cant insure me ?You can't really argue that it's not just a transparent non-permanent vinyl covering!
Wonder whether they'd class a sprayed on plastic coating as the same?
However, I do think it's a bit harsh. BTW, is this 'voidance' completely 'undone' the policy so that you don't have to declare it under the 'ever had insurance cancelled or voided', or is more of a "an errors been made...please take your business elsewhere"?
Caddyshack said:
I have read through all of the thread.
Can the OP confirm if the car has changed colour with this all over PPF? i.e. has it actually had a full wrap change of colour and the OP is just calling that PPF?
Were there other modifications?
Sorry if missed
No clear PPF the colour of the car has not changed and there is no other modification on my car at all! Can the OP confirm if the car has changed colour with this all over PPF? i.e. has it actually had a full wrap change of colour and the OP is just calling that PPF?
Were there other modifications?
Sorry if missed
Rufus Stone said:
mmm-five said:
But if they specifically say "no modifications" would you expect them to list every little item they consider as a 'modification'...down to alloy valve caps or magic tree air fresheners?
If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
They do list several specifics though, so why not the wrap?If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
Based on what they have published they apparently could indeed void your insurance due to an air freshener.
MrBnz said:
That is what I'm thinking they said I'm not insured from day 1 and are refunding the money so technically ive never had insurance with them in the 1st place so its not being a void as they haven't taken any money from me? they saying they cant insure me ?
This sounds like it's being unwound then as someone else stated rather than "voided". If they'd have cancelled your policy for you breaching the Ts&Cs I don't think you'd be getting your premiums back.....mmm-five said:
But if they specifically say "no modifications" would you expect them to list every little item they consider as a 'modification'...down to alloy valve caps or magic tree air fresheners?
If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
No but a modification is something you to the vehicle to alter how it looks, performs, or functions.If I'm not sure, I call up and ask. If that response is not clear enough or the agreement is too 'casual', then I will ask for it in writing (as I did when I put slightly wider tyres on the rear when the OE size was out of stock for months).
PPF doesn’t do any of those things… it’s an ‘addition’ sure, but the vehicle underneath is identical, has not changed.
A colour change wrap is different… different colours are perceived differently by other drivers, so that’s clearly going to affect risk. (The function being: how visible you are to other drivers).
Is a change in tyre pressures from what your car was supplied with a modification?
Is a change in the octane of the petrol in the tank a modification?
Is a change in the weight of engine oil a modification?
Is a change in brake pads away from OEM a modification? (Brake discs? Same part/spec, different manufacturer?)
Is a change in the radio default presets a modification?
Or maybe relevantly…
- is putting something in the boot, that wasn’t there when the car left the factory, a modification?
No?
So why is sticking something (that doesn’t change e performance or function) to the outside of the car one?
Is a change in the octane of the petrol in the tank a modification?
Is a change in the weight of engine oil a modification?
Is a change in brake pads away from OEM a modification? (Brake discs? Same part/spec, different manufacturer?)
Is a change in the radio default presets a modification?
Or maybe relevantly…
- is putting something in the boot, that wasn’t there when the car left the factory, a modification?
No?
So why is sticking something (that doesn’t change e performance or function) to the outside of the car one?
MrBnz said:
if you do an online quote and go under any of there modifications "WRAP" or "PPF" is not on there so how would you declare it? you cant!
Which is in your favour once you get to the Ombudsman.It's clearly a vital exclusion as far as AXA are concerned, but they fail to communicate that to their customer at the time of quotation/purchase. That is not treating customers fairly, especially when considering the financial implications to the policyholder upon voiding the policy.
GiantCardboardPlato said:
No but a modification is something you to the vehicle to alter how it looks, performs, or functions.
PPF doesn’t do any of those things… it’s an ‘addition’ sure, but the vehicle underneath is identical, has not changed.
A colour change wrap is different… different colours are perceived differently by other drivers, so that’s clearly going to affect risk. (The function being: how visible you are to other drivers).
Indeed.PPF doesn’t do any of those things… it’s an ‘addition’ sure, but the vehicle underneath is identical, has not changed.
A colour change wrap is different… different colours are perceived differently by other drivers, so that’s clearly going to affect risk. (The function being: how visible you are to other drivers).
In fact, the modification guide I linked to earlier states about permitted modifications:
"Many of these modifications, such as roof racks, tow bars & alloys don’t reduce the chance of accidents, but they also don’t increase the possibility of accidents in the way that upgrading performance or transmission does."
I would argue PPF is no difference to a roof rack.
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