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  • FIRST POST
    • BBOA
    • By BBOA 14th Jun 19, 4:55 PM
    • 77Posts
    • 2Thanks
    BBOA
    Vehicle Wrap and Insurance
    • #1
    • 14th Jun 19, 4:55 PM
    Vehicle Wrap and Insurance 14th Jun 19 at 4:55 PM
    Hello,

    I have recently got. My vehicle wrapped, however when looking to update my insurance I have been suggested a price around 130% more than my current premium, I have been told the vehicle wrap must be listed as paintwork modification even so I canít believe the increase is there any advice as to how I can get insured without the drastic increase, if anything I thought the wrap would reduce the cost as it is protecting the body work.

    Thanks.
Page 1
    • Carrot007
    • By Carrot007 14th Jun 19, 5:01 PM
    • 2,667 Posts
    • 2,304 Thanks
    Carrot007
    • #2
    • 14th Jun 19, 5:01 PM
    • #2
    • 14th Jun 19, 5:01 PM
    You thought something that would make your care look more attractive to theives would bring the insurance down?


    Now maybe it you had got some pink and yellow emulsion out and got a six year old to paint it you may have an argument.


    Did you not consider asking first?
    • BBOA
    • By BBOA 14th Jun 19, 5:06 PM
    • 77 Posts
    • 2 Thanks
    BBOA
    • #3
    • 14th Jun 19, 5:06 PM
    • #3
    • 14th Jun 19, 5:06 PM
    No not really like I said I was pretty sure it would reduce the price.
    • DUTR
    • By DUTR 14th Jun 19, 5:12 PM
    • 12,183 Posts
    • 6,888 Thanks
    DUTR
    • #4
    • 14th Jun 19, 5:12 PM
    • #4
    • 14th Jun 19, 5:12 PM
    No not really like I said I was pretty sure it would reduce the price.
    Originally posted by BBOA
    You said that, I can see no logic as to why wrapping the paintwork may reduce the premium, I'm no underwriter but around here they type of owner that wraps there cars somehow seem to fall fit a stereotype
    • BBOA
    • By BBOA 14th Jun 19, 5:18 PM
    • 77 Posts
    • 2 Thanks
    BBOA
    • #5
    • 14th Jun 19, 5:18 PM
    • #5
    • 14th Jun 19, 5:18 PM
    Fairy enough, judging from your feedback I have been rather naive, that being said Any advice as to how to reduce the premium?
    • d0nkeyk0ng
    • By d0nkeyk0ng 14th Jun 19, 5:20 PM
    • 763 Posts
    • 268 Thanks
    d0nkeyk0ng
    • #6
    • 14th Jun 19, 5:20 PM
    • #6
    • 14th Jun 19, 5:20 PM
    You need a modification-friendly insurance company: skyinsurance, brentacre, greenlight and adrian flux are brokers that specialise in this field. My modified car is cheaper to insure than if I'd had a standard car and went with a mainstream insurer.
    • Sea Shell
    • By Sea Shell 14th Jun 19, 5:23 PM
    • 2,588 Posts
    • 4,671 Thanks
    Sea Shell
    • #7
    • 14th Jun 19, 5:23 PM
    • #7
    • 14th Jun 19, 5:23 PM
    How much did the wrap cost? The cheapest option might be to just remove it. How much was your car worth before you had it done?
    " That pound I saved yesterday, is a pound I don't have to earn tomorrow " JOB DONE!!
    This should now read "It's time to start digging up those Squirrelled Nuts"!!!
    • BBOA
    • By BBOA 14th Jun 19, 5:40 PM
    • 77 Posts
    • 2 Thanks
    BBOA
    • #8
    • 14th Jun 19, 5:40 PM
    • #8
    • 14th Jun 19, 5:40 PM
    Taking the wrap off isn’t really an option, I’ll try Adrian flux.
    • DUTR
    • By DUTR 14th Jun 19, 5:42 PM
    • 12,183 Posts
    • 6,888 Thanks
    DUTR
    • #9
    • 14th Jun 19, 5:42 PM
    • #9
    • 14th Jun 19, 5:42 PM
    Fairy enough, judging from your feedback I have been rather naive, that being said Any advice as to how to reduce the premium?
    Originally posted by BBOA
    The premium has increased due to the modification, naturally few or no modifications keeps certain aspects of the premium at a minimum.
    If you MUST have a car wrapped then I guess one with a lower base premium to start with?
    Perhaps in an already nice colour.
    • Car 54
    • By Car 54 14th Jun 19, 5:42 PM
    • 4,544 Posts
    • 2,875 Thanks
    Car 54
    Taking the wrap off isnít really an option.
    Originally posted by BBOA
    What is it covering?
    • Gloomendoom
    • By Gloomendoom 14th Jun 19, 6:26 PM
    • 15,988 Posts
    • 22,365 Thanks
    Gloomendoom
    Chris Knott is another mod friendly broker.
    ďNever argue with stupid people, they will drag you down to their level and then beat you with experience.Ē - Mark Twain
    • shinytop
    • By shinytop 15th Jun 19, 7:56 AM
    • 509 Posts
    • 588 Thanks
    shinytop
    Insurance companies are well known for milking existing customers. I wonder if the wrap would cost as much if you were a new customer? Might be worth a try getting a new quote and then discusing it with them. Or as others say, just go somewhere else.
    • molerat
    • By molerat 15th Jun 19, 11:32 AM
    • 21,385 Posts
    • 15,643 Thanks
    molerat
    Vehicle wrapping is done by 2 categories of motorists - commercial vehicle operators and boy racers. As, presumably, OP does not fall into the former category the insurers obviously assume the latter and price accordingly.
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • AdrianC
    • By AdrianC 15th Jun 19, 11:42 AM
    • 24,796 Posts
    • 24,175 Thanks
    AdrianC
    Vehicle wrapping is done by 2 categories of motorists - commercial vehicle operators and boy racers. As, presumably, OP does not fall into the former category the insurers obviously assume the latter and price accordingly.
    Originally posted by molerat
    This, with a side order of increased repair cost.

    Taking the wrap off isnít really an option
    Originally posted by BBOA
    Of course it is. It's not only an option, but inevitable sooner or later. Wraps have a finite (and relatively short) life.
    • Sea Shell
    • By Sea Shell 15th Jun 19, 12:05 PM
    • 2,588 Posts
    • 4,671 Thanks
    Sea Shell
    My bet is that it's an old Audi A3, and the wrap cost about half the value of the car!!!
    " That pound I saved yesterday, is a pound I don't have to earn tomorrow " JOB DONE!!
    This should now read "It's time to start digging up those Squirrelled Nuts"!!!
    • BBOA
    • By BBOA 15th Jun 19, 12:25 PM
    • 77 Posts
    • 2 Thanks
    BBOA
    Hi,

    Thanks for the feedback, really appreciate it. Tried Adrian Flux and it was more than the quote from my existing insurer.

    @molerat is that your own conclusion or factual in regard to how insurers categorise wraps?

    @seashell, unfortunately it isn’t an old A3 or an A3 at all.
    • Sea Shell
    • By Sea Shell 15th Jun 19, 12:29 PM
    • 2,588 Posts
    • 4,671 Thanks
    Sea Shell
    Ok it's a Corsa then!!
    " That pound I saved yesterday, is a pound I don't have to earn tomorrow " JOB DONE!!
    This should now read "It's time to start digging up those Squirrelled Nuts"!!!
    • BBOA
    • By BBOA 15th Jun 19, 12:36 PM
    • 77 Posts
    • 2 Thanks
    BBOA
    Thanks Sea Shell.
    • Scrapit
    • By Scrapit 15th Jun 19, 8:04 PM
    • 813 Posts
    • 330 Thanks
    Scrapit
    If you don't adjust the v5 (you don't need to) then why should it affect premiums? I'd not be telling the insurers.
    • AdrianC
    • By AdrianC 15th Jun 19, 8:08 PM
    • 24,796 Posts
    • 24,175 Thanks
    AdrianC
    If you don't adjust the v5 (you don't need to)
    Originally posted by Scrapit
    Yes, you do - and have had to for over five years.
    http://www.popingraphics.com/news/dvla-updates-colour-change-wrap-advice

    ...then why should it affect premiums? I'd not be telling the insurers.
    Then you'd look surprised when the bill for the payout from your claim gets handed back to you.
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