UK Insurers who allow wrapping...who do you use?

[Medved_77]

Thanks guys did some google research... and found this article, so confirming posts that DVLA must be update (resolves the police info thought i had) and also for the insurers, I’m not tinting so I’m hoping that the reduced visibility increasing potential for an accident (scientifically, I’m not judging your choice to tint - so don’t come at me!) is what caused the price increase and not the wrap.... we’ll see. For anyone else curious - here is a decent article

Should I Tell My Insurance Company & DVLA About A Car Wrap?

And a second but 1st one best I found

What are the implications of changing the colour of my car?

Have you decided where to get your work done?

I've used Zoldani in Dunfermline for ceramic coating, PPF and dechrome and have been really happy with their work.

 

[M3-Newbie]

Have you decided where to get your work done?

I’ve never done a car, but we usually use evolve in burntisland in fife for all our signage and van wraps but with it taking 4+ days, add in Covid and now without any trains south of Aberdeen for the time being, I needed somewhere closer, so I am using a signage guy up here (subject to finding an insurer that is ok with it and won’t charge me the earth!)

 

[MDABC]

Thanks guys did some google research... and found this article, so confirming posts that DVLA must be update (resolves the police info thought i had) and also for the insurers, I’m not tinting so I’m hoping that the reduced visibility increasing potential for an accident (scientifically, I’m not judging your choice to tint - so don’t come at me!) is what caused the price increase and not the wrap.... we’ll see. For anyone else curious - here is a decent article

Should I Tell My Insurance Company & DVLA About A Car Wrap?

And a second but 1st one best I found

https://www.balgores.com/changing-the-colour-of-my-car/

Premium increase for tinting alone was £50, so for me the PPF added a further £30.

 

[M3-Newbie]

Update.... that Churchill will not insure a wrapped car at all - so if anyone does have a wrap and is with churchill, their underwriting has been updated to not allow any modifications including wraps! if you were already insured they may allow the update, but their policy will not now take anyone new with a wrap... so back to the drawing board for insurers!! (or i keep the white car....and stay with churchill!

 

[Wattsisname]

The risk with not declaring it comes if you end up having a serious accident, and they send out an assessor. The insurer will be trying to minimize their losses as much as possible and will be looking for any excuse to void a policy. A friend of mine handles IT for one of the UK insurers and the horror stories he hears across the office from the Underwriters make your skin crawl.

Given the relative cost of the car, and the small increase for declaring modifications, I wouldn't take any risks on that front. Full disclosure is always the best approach.

Quite right. The default position for insurance companies, perhaps more so with major commercial cover than motor, is to refuse the claim.
Misleading your insurer in the slightest possible way is courting trouble and expense.

PS I thought insurance was expensive but PPF! Have any members tried applying it themselves? Eric, on YouTube channel Drive Protected covers a MY and makes it look easy but it was ever so watching a skilled person at the top of their game.

 

[Torokruger]

My sons LR was fully wrapped and his original insurers DL refused insurance so did Churchill but he got insured with Admiral but not having the wrap covered or if you had it PPF.
Hope that helps somebody.

 

[Wattsisname]

Great looking wrap. That does help, thank you.

Is correct that whilst Admiral exclude the wrap from cover, is only an issue if your son claims against his insurer. If the third party is at fault would their insurer pay to reinstate the wrap along with any other damage? Or, is it the convention that the insurer of the the driver at fault is not liable for any items which are not covered by the claimant's insurer? If so, it is illogical because some folk ( very few) have third party only cover.

 

[Skadi]

So after skimming through this whole thread:

Admiral is the only car insurance that will allow you to keep your car insurance if you wrap your car, but won’t cover the wrap cost?

Has anyone discovered any other insurer that does this or better yet?

 

[Js1977]

With wraps costing as much as paintwork and more expensive to repair than it, specially if a smart repair is all that needs be, its easy to see how insurers do not want to get involved or its at your own risk sort of affair... Let's think for a minute. You are asking them to insure your self deemed paintwork insurance. Its to much admin and insurers are too lazy to contemplate and its all about a risk that does not stack in their favour at all imho

 

[Wattsisname]

So after skimming through this whole thread:

Admiral is the only car insurance that will allow you to keep your car insurance if you wrap your car, but won’t cover the wrap cost?

Has anyone discovered any other insurer that does this or better yet?

In May I spoke with LV who said they would cover the PPF but the premium was high. Having transferred my X3 insurance to the Y, with a hefty uplift, I will soon be insuring for a full year. So, I will shop around again.

You do mean wrap or PPF " Clear Bra "

 

[Skadi]

So I’ve now spoken to Novo who specialise in electric vehicles, and they will cover all cosmetic upgrades including wraps and PPF.

Are they expensive? Yes! But, if you can afford a Tesla and full wraps I’m sure you can afford it, and the amount they cover is the best you can expect, customer service was really good too.

 

[Js1977]

Are they expensive? Yes! But, if you can afford a Tesla and full wraps I’m sure you can afford it.

Im not sorry to say this but in other words....they saw you coming

 

[Wattsisname]

So I’ve now spoken to Novo who specialise in electric vehicles, and they will cover all cosmetic upgrades including wraps and PPF.

Are they expensive? Yes! But, if you can afford a Tesla and full wraps I’m sure you can afford it, and the amount they cover is the best you can expect, customer service was really good too.

Expensive? But compared to which other underwriters? Have you tried LV.
I took the easy route and transferred the insurance and paid the uplift.

Now, as the full 12 month renewal approaches, I would appreciate feedbavk regarding PPF and Ceramic.
( I can live without " They saw you coming" comments. We are Tesla mates! No?)

 

[WannabeOwner]

I would appreciate feedback regarding PPF

I had PPF on an S. It was sideswiped on a roundabout, looked like it had been scraped down a wall. After a wash and so on (mostly to remove the other car's paint!) it was hard to tell there was any damage - two small dents that you couldn't see from a distance, but no paint damage at all. I would argue that the PPF had prevented any actual paint damage and saved the insurance company money on repair.

What happens when a car is keyed? I presume that's enough to make a claim, rather than pay oneself? If PPF would prevent that / reduce the cost then that ought to be a factor.

I also don't understand the wrap thing either ... as I understand it that labels the driver as Boy Racer and the insurer doesn't want them ... but they will insure that same person just so long as they don't have the wrap - clearly they are going to drive much more sanely as a result!

I had go-faster stripes on an XR3i, when some twit reversed into the side of it in a car park the insurance paid for the replacement decals - which had to be bought in a pair - I probably still have the spare in a drawer if anyone needs it ...

 

[Wattsisname]

I had PPF on an S. It was sideswiped on a roundabout, looked like it had been scraped down a wall. After a wash and so on (mostly to remove the other car's paint!) it was hard to tell there was any damage - two small dents that you couldn't see from a distance, but no paint damage at all. I would argue that the PPF had prevented any actual paint damage and saved the insurance company money on repair.

What happens when a car is keyed? I presume that's enough to make a claim, rather than pay oneself? If PPF would prevent that / reduce the cost then that ought to be a factor.

I also don't understand the wrap thing either ... as I understand it that labels the driver as Boy Racer and the insurer doesn't want them ... but they will insure that same person just so long as they don't have the wrap - clearly they are going to drive much more sanely as a result!

I had go-faster stripes on an XR3i, when some twit reversed into the side of it in a car park the insurance paid for the replacement decals - which had to be bought in a pair - I probably still have the spare in a drawer if anyone needs it ...

Ah! The fathomless illogicalities of the " ... computer says no." world of insurance.
How I miss the friendly family insurance broker; you discussed your needs with an expert who then negotiated with the underwriter. It was not a one size fits all online world where only new business matters at the expense of the loyal customer.

Now then..... SWMBO says, with an expansive gesture "Yes! All this was woods and fields when you were a lad".

 

[Durzel]

Novo and LV are the only games in town I think when it comes to wrapped cars (PPF is a wrap, albeit transparent, but the principals are identical).

Admiral I believe cover you with a wrap, but the wrap isn't covered which is to say if you have an accident you have to get the affected panels re-wrapped yourself at your own cost.

I'm not aware of any other companies covering them, I did quite a bit of hunting around earlier in the year before I renewed with Novo.

Plenty of people I imagine just don't declare it, because to do so would cost them more money by having to go with someone else, or don't think that PPF is a wrap so either don't mention it.

Frankly repairing a wrapped car must be a bit of a nightmare. For starters paint shops and companies that handle wraps often aren't the same. They are two completely different disciplines that require knowledge and expertise. In the event of an accident, therefore, you'd have to get the car repainted and then presumably it would need to be then transported to a wrapper to reapply the wrap. This complicates the repair and adds additional cost. Secondly, I'm not even sure you're supposed to wrap a freshly painted car. I would presume you aren't - which means it has to cure for a period of time before it can be safely wrapped, which equals more time (and more loan car expense), etc.

I went with Novo for the first two years of insurance on my M3P mainly because they were Tesla-centric and I liked aspects of the policy (agreed value on the car, fully comp drive other vehicles, Tesla loan car in the event of a claim, etc). They were expensive in the first year (~£900 if I recall) and even more the second year, because of a new underwriter. I'm dreading my renewal in March.

I am very much of the mind though that I want peace of mind when I have insurance for something. I don't want to just find the absolute bargain bucket price that either doesn't properly cover the car, or I have to omit information like the PPF and risk not being covered at all. A piece of paper that just says I'm insured isn't much value to me.

 

[Wattsisname]

Novo and LV are the only games in town I think when it comes to wrapped cars (PPF is a wrap, albeit transparent, but the principals are identical).

Admiral I believe cover you with a wrap, but the wrap isn't covered which is to say if you have an accident you have to get the affected panels re-wrapped yourself at your own cost.

I'm not aware of any other companies covering them, I did quite a bit of hunting around earlier in the year before I renewed with Novo.

Plenty of people I imagine just don't declare it, because to do so would cost them more money by having to go with someone else, or don't think that PPF is a wrap so either don't mention it.

Frankly repairing a wrapped car must be a bit of a nightmare. For starters paint shops and companies that handle wraps often aren't the same. They are two completely different disciplines that require knowledge and expertise. In the event of an accident, therefore, you'd have to get the car repainted and then presumably it would need to be then transported to a wrapper to reapply the wrap. This complicates the repair and adds additional cost. Secondly, I'm not even sure you're supposed to wrap a freshly painted car. I would presume you aren't - which means it has to cure for a period of time before it can be safely wrapped, which equals more time (and more loan car expense), etc.

I went with Novo for the first two years of insurance on my M3P mainly because they were Tesla-centric and I liked aspects of the policy (agreed value on the car, fully comp drive other vehicles, Tesla loan car in the event of a claim, etc). They were expensive in the first year (~£900 if I recall) and even more the second year, because of a new underwriter. I'm dreading my renewal in March.

I am very much of the mind though that I want peace of mind when I have insurance for something. I don't want to just find the absolute bargain bucket price that either doesn't properly cover the car, or I have to omit information like the PPF and risk not being covered at all. A piece of paper that just says I'm insured isn't much value to me.

Agreed; you only get what you pay for... if you are lucky.

Not wanting to miss an opportunity for a pedantic response; Coloured Wrap does not offer the same level of protection as PPF.

 

[Skadi]

Im not sorry to say this but in other words....they saw you coming

Thanks for your input!

When we have literally 2 options if you wanna wrap your car and have it insured, we don’t have the luxury of shopping around, so I don’t think your comment makes any sense. We have to take what we can get if we want to do cosmetic work.

 

[Wattsisname]

Thanks for your input!

When we have literally 2 options if you wanna wrap your car and have it insured, we don’t have the luxury of shopping around, so I don’t think your comment makes any sense. We have to take what we can get if we want to do cosmetic work.

Well said.