GR86 Another one bites the dust
- Thread starter midlife_sportscar
- Start date
Ouch! No matter how sensible you drive there’s no accounting for other road users’ lack of attention. I always try and get well past lorries as quick as I can, especially in something so low as a GR86. 
GRistopher
Totally Hooked
- Oct 23, 2023
- 740
- 1,154
Some people really are desperate for a Duck-tail.
Say this guy had had a complete underbody seal and ceramic coating/PPF/wrap or whatever - would insurance cover him for these to be replenished for an extra sum that must be well into 4-figures?Ouch! No matter how sensible you drive there’s no accounting for other road users’ lack of attention. I always try and get well past lorries as quick as I can, especially in something so low as a GR86.
Simple answer - No. Not unless it was all insured as 'modifications'.
Even still - many insurers, whilst requiring you to declare the mods to them, don't actually cover them, or pay out OEM-equivalent.
Agree! Most won't cover PPF or, worse still, refuse to cover the vehicle if you try and add it to the policy as a mod. It's a risk balance, like everything else in this world. You're just as unlikely not to get anything back on the additional outlay when selling the vehicle either. That's life eh? "Ya can't take it with ya" as my ol' man always says (usually when he's spending my inheritance on another vintage car or a new girlfriend's boobs).
Hopefully you inherit the vintage cars... no comment about the other
RumbleandSway
Totally Hooked
If it’s a non-fault incident the negligent party’s insurers would be liable for restoring the innocent party for the full financial loss. Including the value of any modifications like PPF.
Just to be clear, that’s to restore the owner to the same financial position they enjoyed prior to the loss. It doesn’t mean new-for old but if it’s a priceless Ferrari they still have to stump up the money.
PPF is not a performance enhancement so no grounds for an insurer to repudiate [reject] an own-damage claim.
BTW rejecting a claim for Non-disclosure of PPF unlikely to be supported by the insurance ombudsman - unless the insurer can prove PPF installation caused or contributed to the claim.
A contractual limit [the replacement value exceeds the insured value] might restrict a payout under comprehensive cover [if claiming against your own policy]
Other than that I’d expect an insurer to meet the full damage/replacement cost including a contribution to the PPF.
The key thing is to declare any modifications and additions.
