car insurance with a wrap
Discussion
I guess if it is this much trouble is taking the wrap off too much of a problem? I must say I don't understand why they are being so iffy. Surely a wrap does not enhance performance, make it easier to steal of mean you will have an accident. Arguably it proves you care about your car and it will protect the paintwork. Is it a wrap per se that they object to or have you got some wild colour scheme which is putting them off? You could try some of the less main stream insurance companies who will insure kit cars, self built Caterhams etc as they might be a bit more understanding.
iandc said:
I guess if it is this much trouble is taking the wrap off too much of a problem? I must say I don't understand why they are being so iffy. Surely a wrap does not enhance performance, make it easier to steal of mean you will have an accident. Arguably it proves you care about your car and it will protect the paintwork. Is it a wrap per se that they object to or have you got some wild colour scheme which is putting them off? You could try some of the less main stream insurance companies who will insure kit cars, self built Caterhams etc as they might be a bit more understanding.
The insurance companies just dont get what a wrap is. Its getting very frustrating!Shmee said:
Do they count it as a colour change?
I'd always assumed that and on my Aston the quote only goes up £50 or so to do it.
I dont know what they think it is, they just class it as a modification. They also think that if the car were to get scraped, it would cost more to replace the wrap. They dont seem to think in a logical way. I have managed to get a company to insure me, for £100 less a year than I pay now. Admiral, but it took me 10 mins of waiting on the phone to speak to someone, and thats for a quote, whats it gonna be like if I need to make a claim!I'd always assumed that and on my Aston the quote only goes up £50 or so to do it.
P101 said:
I dont know, I think they associate it with either advertising commercial use or the Gumball!
How have you found admiral? Have you ever had to make a claim?
No claims fortunately but at my age sadly there is no choice; my 2 cars with Admiral are around £1700 whereas the next best company comes in at more like £5000 and most won't even quote.How have you found admiral? Have you ever had to make a claim?
They seem very variable though; there are plenty of threads with people saying they've had successful claims and no problems, but sadly also some with the exact opposite.
P101 said:
I dont know what they think it is, they just class it as a modification. They also think that if the car were to get scraped, it would cost more to replace the wrap. They dont seem to think in a logical way. I have managed to get a company to insure me, for £100 less a year than I pay now. Admiral, but it took me 10 mins of waiting on the phone to speak to someone, and thats for a quote, whats it gonna be like if I need to make a claim!
You can just imagine it if some chav hits you up the backside. totally his fault but translates to your fault as the wrap made him lose concentration or temporarily blinded him therefor you lose your no claims and pay for his repair.
P101 said:
Well, I have managed to get insured, I ended up getting a fleet contract (Not that I have a very impressive fleet!) at a very reasonable cost, £1400 to cover the Lambo, and my 2 other cars. I can also drive any other car fully comp as long as the car is worth no more than £200k.
Chubb?lordbluf said:
when i had the murci wrapped i was with admiral/elephant - you dont need to say it's wrapped - you tell them the colour it is - not what it is underneath. never had any issues...
But, did you ever have any reason to claim? If, for example you wrote the car off, the insurance company would go over it with a fine tooth comb to find any reason that they can to not have to make a payout. According to my insurance broker, a wrap is classed as a mod, all mods must be declared. I sleep a touch better knowing that I have declared everything and I am fully insured. As for Admiral, the customer service when enquiring was enough to put me off.
Last time I checked Admiral/Elephant/Bell Direct (same underwriter as far as I'm aware) have a policy of "OEM parts replacement".
You're obliged to inform them of your modifications, but if for example your aftermarket wheels get stolen you'll only get OEM ones back as a replacement. So in a nutshell you pay extra because your car is more attractive to thieves/higher risk, but you've got no actual reassurance that your modifications are covered anyway....
You're obliged to inform them of your modifications, but if for example your aftermarket wheels get stolen you'll only get OEM ones back as a replacement. So in a nutshell you pay extra because your car is more attractive to thieves/higher risk, but you've got no actual reassurance that your modifications are covered anyway....
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