Insurance voided due to car having PPF! HELP PLEASE!
Discussion
MrBnz said:
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?
That's impressive PPF if it's saved panels from damage in an accident. Mine didn't.My insurer at the time (Bell) just told me they'd repair the accident damage but that I'd have to sort the PPF out myself (or claim it back from the 3rd party responsible) as I hadn't declared it.
I didn't notice a specific PPF entry on their declaration form where I'd entered all the other mods, so hadn't declared it.
They didn't mention the undeclared wider rear tyres, or non-R90 pads
I didn't notice a specific PPF entry on their declaration form where I'd entered all the other mods, so hadn't declared it.
They didn't mention the undeclared wider rear tyres, or non-R90 pads
AXA publish this on their website.
https://www.axa.co.uk/car-insurance/tips-and-guide...
It appears grossly weighted in favour of the insurer. The most simple of modification from the manufactured specification could be used to void the insurance. A simple cup holder perhaps.
https://www.axa.co.uk/car-insurance/tips-and-guide...
It appears grossly weighted in favour of the insurer. The most simple of modification from the manufactured specification could be used to void the insurance. A simple cup holder perhaps.
LF5335 said:
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.
They sent me the voidance via email what more do you want me to put in? i can screenshot my the email not sure if that will make a difference?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.
I have tried my best to explain to them its not a wrap and its fallen on dead ears! I have taken it further and waiting for the complaint team to get back to me.
mmm-five said:
My insurer at the time (Bell) just told me they'd repair the accident damage but that I'd have to sort the PPF out myself (or claim it back from the 3rd party responsible) as I hadn't declared it.
I didn't notice a specific PPF entry on their declaration form where I'd entered all the other mods, so hadn't declared it.
They didn't mention the undeclared wider rear tyres, or non-R90 pads
Ive tried multiple insurance companies and no one had PPF or anything of the like to declare as a modification even AXA them self's don't have a option to put PPF as a modification I didn't notice a specific PPF entry on their declaration form where I'd entered all the other mods, so hadn't declared it.
They didn't mention the undeclared wider rear tyres, or non-R90 pads
MrBnz said:
Ive tried multiple insurance companies and no one had PPF or anything of the like to declare as a modification even AXA them self's don't have a option to put PPF as a modification
They expect you to put it under 'other modifications'!But you can only do that if:
- you know your car has a modification
- you know you're supposed to use 'other modifications' to declare something like this
otolith said:
PPF is not a wrap. I'd push back hard on that.
True, it's not a wrap but if they're strict on 100% no modifications them I'm not sure it changes much.Their angle is clearly one of, "we don't insure modified vehicles, full stop" since there's no talk of increased premiums rather than just voiding it, so the fact they erroneously called it a "wrap" rather than PPF might be a moot point.
I have nothing to hide in this matter, i had a bump sent pictures off and got pulled on the fact its got PPF, its being voided as its a "wrap" ive tried arguing this case and as it stands they have voided the insurance.
Ive spoken to two other insurance companies who both advised me that if was to get insured with them i wouldn't have to declare it as a modification as its there to protect the paint work and it doesn't change the appearance of the car.
The car is all standard factory specification, down to the last nut and bolt! ive not made any changes and don't plan too!
Im not even that bothered if they don't fix the car its very minor the only reason i went through insurance is 3rd party wanted to go through insurance. the fact that they are "black listing" me makes it very difficult to get insured on this car so id have to sell my car and even on a normal car my insurance is over 2K
Ive spoken to two other insurance companies who both advised me that if was to get insured with them i wouldn't have to declare it as a modification as its there to protect the paint work and it doesn't change the appearance of the car.
The car is all standard factory specification, down to the last nut and bolt! ive not made any changes and don't plan too!
Im not even that bothered if they don't fix the car its very minor the only reason i went through insurance is 3rd party wanted to go through insurance. the fact that they are "black listing" me makes it very difficult to get insured on this car so id have to sell my car and even on a normal car my insurance is over 2K
Unless you can persuade Axa that PPF is not a wrap I'm not sure I see this ending well for you OP unfortunately.
Their Complaints dept will obviously talk with their Underwriting dept and also their Claims departments but even if they agree that it isn't a wrap as such that letter still indicates to me that any modification to a car ( and whether people like to admit or not PPF is something added to the car post factory build so technically a modification ) renders any quote void as they appear not to cover ANY modified vehicles.
They have also cancelled the policy abinitio ie as though it never existed.
I think your only course of action is to perhaps email their complaints department directly and press the case of the PPF not being a wrap whilst using language such as " had I known that PPF would be considered a wrap obviously I would have informed you at the time of the original quote "etc.
Normally I suggest mentioning TCF as someone else has suggested but arguably they are !
Definitely be polite /contrite BUT as I say I think you have a problem.
Best of luck.
Their Complaints dept will obviously talk with their Underwriting dept and also their Claims departments but even if they agree that it isn't a wrap as such that letter still indicates to me that any modification to a car ( and whether people like to admit or not PPF is something added to the car post factory build so technically a modification ) renders any quote void as they appear not to cover ANY modified vehicles.
They have also cancelled the policy abinitio ie as though it never existed.
I think your only course of action is to perhaps email their complaints department directly and press the case of the PPF not being a wrap whilst using language such as " had I known that PPF would be considered a wrap obviously I would have informed you at the time of the original quote "etc.
Normally I suggest mentioning TCF as someone else has suggested but arguably they are !
Definitely be polite /contrite BUT as I say I think you have a problem.
Best of luck.
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 s
t does hit the fan, I hopefully won't end up in the OP's situation.
I hope you've got that in writing though !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 s
t does hit the fan, I hopefully won't end up in the OP's situation.Wheels and the like have always been considered a huge modification by the Industry.
LF5335 said:
PPF
seems bizarre to me. I thought the reason not to pay out had to be related to the reason for the claim.
Not necessarily - if an Insurer gets presented with a claim and thinks or knows that is not a risk that had they known about such modifications etc they would have declined to accept it then they can deny ( or at least try to ) such a claim by declaring any policy cancelled abinitio ie cancelled as though it never existed.seems bizarre to me. I thought the reason not to pay out had to be related to the reason for the claim.
Doesn't stop the insured ( or technically not insured ) from complaining to their complaints dept and indeed the ombudsman or of course taking legal action and the threat of the latter may be sufficient to persuade in this case Axa to perhaps look again BUT with the story as presented I'm not sure I see much chance of that but who knows !
Lee540 said:
Do I have to declare ceramic coating on my paint?
You should, because again, it makes a difference to a repair. If a body shop tried to blend a repair onto a coated panel, and didn’t know the panel was coated, it’d make a right mess. You might also want the car re-coating after a repair. All adds up and influences the cost of the premium. PorkInsider said:
True, it's not a wrap but if they're strict on 100% no modifications them I'm not sure it changes much.
Their angle is clearly one of, "we don't insure modified vehicles, full stop" since there's no talk of increased premiums rather than just voiding it, so the fact they erroneously called it a "wrap" rather than PPF might be a moot point.
If they don't insure vehicles with paint protection film, I wonder how many policyholders they have in blissful ignorance. They should make that clear, it's not the sort of thing that many people think of as a "modification", it's not likely to affect the kind of demographic who have ever had to declare anything.Their angle is clearly one of, "we don't insure modified vehicles, full stop" since there's no talk of increased premiums rather than just voiding it, so the fact they erroneously called it a "wrap" rather than PPF might be a moot point.
Your best bet would have been to plead total ignorance regarding the PPF - didn't know it was even there - then argue to be allowed to cancel the policy yourself on the grounds that you wouldn't have insured with them.
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?
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?
Terminator X said:
Do we need an independent inspection on all 2nd hand cars to look for mods.
Presumably there's not much need for an inspection if the mod is on the invoice. It torpedoes any "I didn't know the car was modified" assertion,AXA: "The invoice is dated before the start of the policy and states the wrap as part of the modifications."
What would be interesting to see is the "invoice" which has apparently given rise to or exacerbated the whole modifications issue.
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