Insurance with PPF

[kesa]

I have been getting some insurance quotes for my upcoming Z4 M40i, hopefully to be collected 9th November.
I have really struggled to find insurers that even understand what PPF is and a fair few refuse cover if it's fitted.
I was wondering if anyone here has PPF fitted and has managed to get fully comprehensive cover at a reasonable price. The best quote I have is from Admiral. I have tried Chris Knott but they are almost £250 more expensive.
Any help would be greatly appreciated

 

[Doddsy]

Is that sort of thing worth mentioning?

 

[pvr]

I did at the time and got as much interest as if I said that I had a touch up stick. I would guess that a very high percentage of Porsches have ppf though so nothing odd

 

[MikeyH]

With my Z4 for all they wanted to know was any performance mods.

 

[kesa]

Is that sort of thing worth mentioning?

I have heard of people's claim being rejected and their insurance made null and void because they had not disclosed PPF was fitted to the vehicle (an undisclosed modification). And with that in mind I would suggest it is definitely worth mentioning unfortunately.

 

[kesa]

With my Z4 for all they wanted to know was any performance mods.

I would have hoped this was the case, but not in my experience. Could I ask who you use for your motor insurance?

 

[MikeyH]

With my Z4 for all they wanted to know was any performance mods.

I would have hoped this was the case, but unfortunately not in my experience. Could I ask who you use for your motor insurance?

Hastings Direct but I'm not sure they are that cheap although the one on the forum was about £30.00 higher when I checked and looking at the price increases others on here have had mine only went up a few pounds £20 ish this year so might be worth a look but you have to deal with someone in India I think.

 

[pvr]

Is that sort of thing worth mentioning?

I have heard of people's claim being rejected and their insurance made null and because they had not disclosed PPF was fitted to the vehicle. So with that in mind I would suggest it is definitely worth mentioning unfortunately.

Would love to hear the reasoning behind that. Worst case they don’t cover the re application of the ppf but declining a claim?

 

[kesa]

With my Z4 for all they wanted to know was any performance mods.

I would have hoped this was the case, but unfortunately not in my experience. Could I ask who you use for your motor insurance?

Hastings Direct but I'm not sure they are that cheap although the one on the forum was about £30.00 higher when I checked and looking at the price increases others on here have had mine only went up a few pounds £20 ish this year so might be worth a look but you have to deal with someone in India I think.

Thanks very much for your reply. I'll give them a call.

 

[kesa]

Is that sort of thing worth mentioning?

I have heard of people's claim being rejected and their insurance made null and because they had not disclosed PPF was fitted to the vehicle. So with that in mind I would suggest it is definitely worth mentioning unfortunately.

Would love to hear the reasoning behind that. Worst case they don’t cover the re application of the ppf but declining a claim?

I think some insurers don't need much of an excuse to refuse a claim. I think they are about as useful as the banking industry. But we need them and they know it. They don't work for us, only the money

 

[Matthewstorm]

Is that sort of thing worth mentioning?

I have heard of people's claim being rejected and their insurance made null and void because they had not disclosed PPF was fitted to the vehicle (an undisclosed modification). And with that in mind I would suggest it is definitely worth mentioning unfortunately.

Man, your insurance companies across the pond are insane. I've heard nightmare stories about British ins. companies.

 

[kesa]

Just to round this off.
After a great deal of frustration with many insurance companies and brokers, Admiral included, who decided they couldn't insure me because a previous person hadn't completed the fact find correctly.
I have finally got a policy that suits my requirements. Adrian Flux were the one that came up trumps, at a price, but not the highest quote I got.
So if you are struggling with insurance it might be worth giving them a call.

 

[Ed Doe]

Adrian Flux and Chris knott are both great ime.

I'd be interested to know anyone who has direct experience with their claim being declined due to ppf being fitted and not declared. Utter bollocks if you ask me.

 

[ori]

Generally from my understanding. Factory fit ppf is covered like on wheel arches, but aftermarket is generally not covered. I would argue it if I had mentioned it to insurance company though.

 

[MikeyH]

So this would include any vinyl graphics on a vehicle, including van signage? I was asked if my van had signs and I assumed it was to do with it more likely having tools inside. Maybe not.

 

[Ed Doe]

I'd like to understand how application of a bit of thin plastic film on the bodywork would in any way effect the risk profile of the car, or indeed the consequence (cost) in the event of an accident or claim....

 

[pvr]

Similar discussion like was had about using winter tyres. Was a non story in the end

 

[ori]

I'd like to understand how application of a bit of thin plastic film on the bodywork would in any way effect the risk profile of the car, or indeed the consequence (cost) in the event of an accident or claim....

Someone hits your car and it has ppf. The insurance will pay for every panel that needs painting but won’t pay to reapply the ppf.

 

[pvr]

If someone hits you, they have to pay whatever it costs to put you back and has nothing to do with your own insurance.

The example would be more that if you have an accident and claim on your insurance. I can see them not pay for ppf but not that they reject your claim altogether

 

[Ed Doe]

If someone hits you, they have to pay whatever it costs to put you back and has nothing to do with your own insurance.

The example would be more that if you have an accident and claim on your insurance. I can see them not pay for ppf but not that they reject your claim altogether

Well this is my point - it affects the cost of the outcome if you make a claim but doesn't alter the risk. Charging a chunk more when they're going to write the bloody thing off unless it's a tiny scratch sort of defeats the point in paying the extra?

Plus normally insurance companies only pay you the market value of the car, irrespective of stuff like ppf..
Sounds like a right racket to me...