Insurance voided due to car having PPF! HELP PLEASE!
Discussion
LF5335 said:
seems bizarre to me. I thought the reason not to pay out had to be related to the reason for the claim.
That's true if it relates to a beach of the terms of the policy after you have taken it out. For example if your policy required your car to be in a roadworthy condition, and you drove with two broken headlights, your insurer could reject a claim for an accident you caused by driving into something in the dark, but not for an accident that happened in daylight.Non-disclosure of facts before you take the policy out is treated differently however; if you fail to declare something that you knew, or should have known about and the insurer would not have offered cover had you declared it, they can void the policy entirely, whether or not the thing you failed to declare had any obvious relevance to any particular claim.
PorkInsider said:
That ship has somewhat sailed I think, since you admitted to knowing the film was there, but might still be worth trying to get them to the point of letting you cancel the policy yourself?
I suspect that the insurers will not do that, because it means that they are liable for a car they wouldn't usually insure for a period of time. In the (very unlikely) event that somebody makes a claim and says that the OP damaged their car a month ago, the insurers would be liable.wyson said:
I think its ridiculous but some insurance policies don’t allow winter tyres so its upto them to set the terms of their own policy.
https://www.abi.org.uk/globalassets/files/publicat...davek_964 said:
Lee540 said:
davek_964 said:
PPF costs money.
If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
Do I have to declare ceramic coating on my paint? If your car was in an accident, then the insurer would need to get the repair carried out and pay for new PPF to restore your car to its pre-accident condition. Which means, additional repair cost to them.
Hence, the modification that you think is irrelevant makes a material difference to them should you need to claim.
As has been suggested already, go to the Ombudsman now although they'll tell you to wait for AXA to finalise their internal process to give you a final response at least you've logged it and can tell AXA. There's a cost implication to AXA for this so will be part of their consideration process. Also, send your complaint to the CEO claudio.gienal@axa.com (most businesses will expedite CEO complaints internally) this will hopefully speed it up.
Any insurance company can use an undeclared modification to attempt to void a policy for a claim, but there is some case history with firms doing this when the modification clearly had no impact on the accident/repair/vehicle. In your case, they appear to be doing this to get out of paying the claim, which is the whole point of their claims team really.
The issue is that although the PPF has no bearing on the accident or repair cost (at least not a negative one) they are trying to argue that they would not have covered you at all. This then comes down to what their exclusions are and whether it's reasonable for them to consider PPF the same as a wrap. If it wasn't a total exclusion then they may reasonably had agreed on the cost of repair but not the replacement of PPF.
I can speak from experience that I've had both sides of the coin when getting quotes for insurance, I've had companies tell me that they don't care the car is wrapped even when it's changed the colour and I've had companies tell me they don't insure wrapped cars at all. I've even had a company change their stance at renewal time to decide they no longer cover wrapped vehicles. Each company is different.
I do wonder what happens with commercial vehicles as these are usually all wrapped now with the business name etc.........
Good luck with your case.
Any insurance company can use an undeclared modification to attempt to void a policy for a claim, but there is some case history with firms doing this when the modification clearly had no impact on the accident/repair/vehicle. In your case, they appear to be doing this to get out of paying the claim, which is the whole point of their claims team really.
The issue is that although the PPF has no bearing on the accident or repair cost (at least not a negative one) they are trying to argue that they would not have covered you at all. This then comes down to what their exclusions are and whether it's reasonable for them to consider PPF the same as a wrap. If it wasn't a total exclusion then they may reasonably had agreed on the cost of repair but not the replacement of PPF.
I can speak from experience that I've had both sides of the coin when getting quotes for insurance, I've had companies tell me that they don't care the car is wrapped even when it's changed the colour and I've had companies tell me they don't insure wrapped cars at all. I've even had a company change their stance at renewal time to decide they no longer cover wrapped vehicles. Each company is different.
I do wonder what happens with commercial vehicles as these are usually all wrapped now with the business name etc.........
Good luck with your case.
BobToc said:
File a complaint with the Ombudsman and tell AXA you're doing it.
just got a reply back from AXA over the phone they going to send out an email to confirm that they will not convers it and its a "wrap" and its something thing they don't insure at all. I will then create a case with the Ombudsman MrBnz said:
BobToc said:
File a complaint with the Ombudsman and tell AXA you're doing it.
just got a reply back from AXA over the phone they going to send out an email to confirm that they will not convers it and its a "wrap" and its something thing they don't insure at all. I will then create a case with the Ombudsman AXA - terrible company to deal with!!
My grandmother had a fall on holiday, bleed on the brain several days in hospital, refused cover as the ambulance took her to a different hospital than they (AXA) would have liked, I kid you not!
Thankfully my parents were with them, otherwise I honestly think my grandmother would have died. My father then spent months trying to reclaim the costs, I believe he ended up a few thousand pounds out of pocket!
They were in Portugal fyi not outer mongolia!
My grandmother had a fall on holiday, bleed on the brain several days in hospital, refused cover as the ambulance took her to a different hospital than they (AXA) would have liked, I kid you not!
Thankfully my parents were with them, otherwise I honestly think my grandmother would have died. My father then spent months trying to reclaim the costs, I believe he ended up a few thousand pounds out of pocket!
They were in Portugal fyi not outer mongolia!
MrBnz said:
BobToc said:
File a complaint with the Ombudsman and tell AXA you're doing it.
just got a reply back from AXA over the phone they going to send out an email to confirm that they will not convers it and its a "wrap" and its something thing they don't insure at all. I will then create a case with the Ombudsman Are they saying that you have other disclosed modifications that they are happy with, but because you didn't declare the PPF, which they consider as a wrap but most people wouldn't, they are voiding your policy?
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"?
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"?
mmm-five said:
The insurer/underwriter are probably just using the term 'wrap' to mean any non-permanent vinyl covering.
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"?
Interesting point - as cancelled as though never in place " arguably " nothing to be cancelled.As such not sure OP has been blacklisted but perhaps he hasn't as is answering the question " have you ever had insurance cancelled " incorrectly ?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"?
MrBnz said:
My issue is the harshness of the term "voidance" which is now black listing me which means when I'm trying to get insurance with other insurance providers I'm getting quotes in the region of £10,000.00!! This is going to be the case for the foreseeable future.
Try specialist brokers like Adrian Flux (or whoever) where you will be able to phone them up and explain the circumstances to them.Rufus Stone said:
If a 'wrap' is such a deal breaker to AXA you would think they would make that clear in their available literature and online application process. But they don't.
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).
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.
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