Insurance voided due to car having PPF! HELP PLEASE!

[Terminator X]

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?

Up to you. I was simply pointing out why the insurer might feel it was something that should be declared

Also the OP didn't add the PPF. Do we need an independent inspection on all 2nd hand cars to look for mods.

TX.

[Grumps.]

MrBnz said:

Hi All !

I would really appreciate some help and any advice on the matter below please.

I was insured by AXA car insurance and they voided my insurance policy due to the car having a modification which I didn't disclose to them. The car has PPF (Paint Protection Film) on it which was on the car 2 years prior to me purchasing the car. To my understanding a modification is something that changes the aesthetic looks or even the performance of the car and this does neither as it's simply there to protect the car from stone chips and scratches. Hence when insuring my car, I wasn't aware that this had to be disclosed, so the non disclosure was non- intentional.

They voided the insurance providing me with only 24 hours notice despite me trying to appeal the decision on the basis that it does not modify the look of the car or change the paint work in any way, rather it's there to protect the car and speaking to a few other insurance they said they wouldn't classify it as a modification.

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.

Can anyone help on this matter or shed some light onto it as I'm currently without a car and have no way of getting around apart from Uber which can become very costly (especially as I have 2 young kids who need dropping and picking up from two different schools).

Thank you in advance

Can you post a copy of the letter with personal details removed?

[Grumps.]

Terminator X said:

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?

Up to you. I was simply pointing out why the insurer might feel it was something that should be declared

Also the OP didn't add the PPF. Do we need an independent inspection on all 2nd hand cars to look for mods.

TX.

No but the op appears that he was aware it had it on, so perhaps should have disclosed it when applying for the insurance.

[davek_964]

Terminator X said:

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?

Up to you. I was simply pointing out why the insurer might feel it was something that should be declared

Also the OP didn't add the PPF. Do we need an independent inspection on all 2nd hand cars to look for mods.

TX.

The post suggests that they were aware of it though, and chose not to declare it because they thought it didn't matter.

In any case - I wasn't really suggesting that the insurers were being reasonable. I was simply pointing out that it would affect the cost of a repair and hence was more relevant than the OP believed.

Personally, I'm also in the 'half term' camp and wouldn't be surprised if the OP quickly disappears

[CRA1G]

Grumps. said:

Can you post a copy of the letter with personal details removed?

Yes,that would be interesting.....

[bad company]

Grumps. said:

Can you post a copy of the letter with personal details removed?

This. Otherwise I’m not believing this one.

[MrBnz]

bad company said:

This. Otherwise I’m not believing this one.

Your policy will be declared void



Following the claim which you recently reported to AXA Insurance information has come to light in relation to your policy details. Unfortunately you failed to declare a vehicle wrap when you purchased your insurance policy in 03/10/2022. Had this information been declared to us when you completed your quote, we would not have offered you an insurance policy. The invoice is dated before the start of the policy and states the wrap as part of the modifications.



Please accept this correspondence as our notice of intended voidance. Your policy will be declared void 09/02/2023. If you have been issued with a courtesy car arranged by AXA this will need to be returned to the supplier by this date as you will no longer be covered. You will be entitled to a refund of the full premium. Any return in premium will be refunded back to your original payment method within 7 days of your voidance being processed.



As AXA will be treating this policy as though no cover was in place from the outset, our claims team will be unable to assist you in paying the claim which relates to the incident you reported to them on 20/12/2022 or any other pending claims. For more information on how your policy voidance will affect the status of your claim, please contact your claims handler.



To keep premiums low we participate in a number of industry initiatives to prevent and detect fraud. To help prevent crime we may at any time share information with other insurers and fraud prevention agencies.



We will inform the Motor Insurance Database that your policy is no longer in force. Your car must have continuous insurance or be declared off road to avoid a fine or prosecution and it is your responsibility to ensure cover is arranged elsewhere.



In accordance with the Road Traffic Act 1988, if your policy is declared void you must immediately return or destroy all copies of the Certificate of Insurance relating to your policy (whether held in paper, electronic, digital or any other format).

[MrBnz]

wyson said:

alscar said:

Meant to add that I agree with Davek in that technically this is a modification but cancelling your policy seems very drastic ( it could have have been easily sorted with them I would suggest ) so will await further clarification from OP.

I’m guessing it went in for a claim and they are trying to weazel out of paying up on a technicality. Otherwise how else would they find out about the wrap? Doesn’t sound like the OP called them to declare it, otherwise would just have been told the policy isn’t valid and would be charged an admin fee for cancellation, rather than get a marker against his name.

Edited by wyson on Thursday 16th February 12:05

I had a bit of bump before Christmas (3rd party has accepted full liability as i was actually stationary at the time of the incident.) i sent of pictures to the repairers and they send the quotation to my insurance company, they then asked what they thing is pealing off and i told them its PPF and that what has triggered all this off, the 3rd party is as fault and AXA told me once they voided my insurance i can go directly to 3rd party to get my car repaired also stating that the 3rd party will cover the cost of the PPF as they have to put the car back as it was when the incident occurred)

[davek_964]

So as somebody said, they think 'wrap.'

I am curious about the 'invoice' dated before the policy start, and the 'other modifications.'

Does the car have other mods that you did declare, and provide invoices for?

Edited by davek_964 on Thursday 16th February 12:32

[Red9zero]

That says wrap. How much of the car has ppf ?

[sixor8]

It seemed obvious that there had been a claim for the PPF to be noticed. That seems a shabby trick to me.

[MrBnz]

davek_964 said:

The OP doesn't seem to be saying this dispute was due to a claim.

How did the insurers find out that you had undeclared PPF in order to void your insurance?

Ive posted what had happen slighly later on in the post i had a bump before Christmas and 3rd part accepted liability i sent pictures off to repairers who send quotation to my insurance company, they asked about the item which was peeling off and i explained to them it was PPF and that is what triggered this.

[MrBnz]

davek_964 said:

So as somebody said, they think 'wrap.'

I am curious about the 'invoice' dated before the policy start, and the 'other modifications.'

Does the car have other mods that you did declare, and provide invoices for?

Edited by davek_964 on Thursday 16th February 12:32

No other modification i went back to the dealers who got me an invoice for when the PPF was applied to the car to show the insurance company i purchased the car with the PPF on and its not something that was done while i owned the car.

[wyson]

Biker 1 said:

Jesus, that sounds ridiculous!!!!
I swapped out my knackered OEM alloy wheels on my car for an aftermarket set. I called my insurer to inform them of the change, & they said the wheels were not considered a modification. Apparently all their calls are 'recorded for training purposes...', so if the st does hit the fan, I hopefully won't end up in the OP's situation.

Amazed by that. What if you fitted a set of forged 20 inch BBS and UUHP tyres that cost £9k for a set and were worth more than the car?

[georgefreeman918]

How do they know it had PPF?Was it involved in accident and discovered upon inspection?

[TheDrownedApe]

georgefreeman918 said:

How do they know it had PPF?Was it involved in accident and discovered upon inspection?

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[MrBnz]

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?

[Grumps.]

georgefreeman918 said:

How do they know it had PPF?Was it involved in accident and discovered upon inspection?

Read the thread ffs.

[MrBnz]

Terminator X said:

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?

Up to you. I was simply pointing out why the insurer might feel it was something that should be declared

Also the OP didn't add the PPF. Do we need an independent inspection on all 2nd hand cars to look for mods.

TX.

In my current case only the PPF needs replacing and a small chip on the bottom lip of the car, in fact its saved them for having to respray 4 panels surely this is a much cheaper alternative the PPF done its job and protected the paint work from getting damaged. PPF replacement cost less than £1,000.00 (ive had a quote) respraying 4 panels in Magno Black pain would be a heck alot more?

[LF5335]

PPF is not a wrap as has been said. Either you’re not giving us the real info, or the insurance co is misinterpreting it. Is it a clear film, or does it change the colour of the car, or add decal type badges?

Can we have a photo of the letter with private details hidden rather than a written out post.

seems bizarre to me. I thought the reason not to pay out had to be related to the reason for the claim.

I’m a cynic but my money is on half term japes here.