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Author Topic: Insurance on vinyl wrap  (Read 30335 times)

BlackDog

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Insurance on vinyl wrap
« on: August 10, 2010, 07:59:49 PM »
Got my renewal quote from Churchill without the vinyl wrap.
Got a quote from MSM with wrap but just nowhere near the expected Churchill price.
Declared the wrap and Churchill quote increased by £63 but still cheaper than MSM
by £50 :o
« Last Edit: October 04, 2011, 10:31:43 PM by CrazyG »
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David

Problemchild

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Re: Insurance on vinyl wrap
« Reply #1 on: August 10, 2010, 08:31:00 PM »
You have a vinyl wrap?

Do we know about this??

Have we seen pics??

I'm not sure how the wrap works... Its not a performance mod and its blatantly cheaper than a paint job so not sure why they would add a premium!!

Given that your car colour is the trid colour, do you really have to declare it??

JJ
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Unknown

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Re: Insurance on vinyl wrap
« Reply #2 on: August 10, 2010, 09:06:16 PM »
Quote from: Problemchild on August 10, 2010, 08:31:00 PM
You have a vinyl wrap?

Do we know about this??

Have we seen pics??

I'm not sure how the wrap works... Its not a performance mod and its blatantly cheaper than a paint job so not sure why they would add a premium!!

Given that your car colour is the trid colour, do you really have to declare it??

JJ

I believe this is the the Dogs car...



When I was looking at quotes earlier this year one of the mods listed on a sites check list was any non OEM sticker, decal or vinyl.
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Problemchild

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Re: Insurance on vinyl wrap
« Reply #3 on: August 10, 2010, 09:09:28 PM »
Ah - ok..... I guess if you crash you would have to get panel, spray it to match original colour and then pay again for re-wrap!!

JJ
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Ferrina

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Re: Insurance on vinyl wrap
« Reply #4 on: August 11, 2010, 05:37:45 PM »
If you can get hold of a panel...
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QuBall42

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Re: Insurance on vinyl wrap
« Reply #5 on: August 11, 2010, 06:44:23 PM »
Quote from: Problemchild on August 10, 2010, 08:31:00 PM
You have a vinyl wrap?

Do we know about this??

Have we seen pics??

I'm not sure how the wrap works... Its not a performance mod and its blatantly cheaper than a paint job so not sure why they would add a premium!!

Given that your car colour is the trid colour, do you really have to declare it??

JJ

JJ His pic is in the forum gallery  ;) ;D



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Problemchild

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Re: Insurance on vinyl wrap
« Reply #6 on: August 11, 2010, 07:50:06 PM »
I know - didn't realise that was vinyl and thought maybe it had been done since ;)

JJ
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BlackDog

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Re: Insurance on vinyl wrap
« Reply #7 on: August 11, 2010, 10:01:44 PM »
It was a not too expensive job that is far from perfect.  Need to have front wing redone since some numpty drove into the side of it and scraped the vinyl off.  Picture is correct except I've sold the number plate and I'm now on BL54DOG for BLackDOG.
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David

evilution

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Re: Insurance on vinyl wrap
« Reply #8 on: August 12, 2010, 04:28:33 PM »
I personally wouldn't have told them about the vinyl wrap as it doesn't increase the performance or cost of the car.
When they hear "vinyl", they probably think it's a big advert for something and you'll drive round towns a lot or the car may be targeted by vandals.
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CrazyG

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Re: Insurance on vinyl wrap
« Reply #9 on: August 12, 2010, 05:40:18 PM »
Quote from: Evilution on August 12, 2010, 04:28:33 PM
I personally wouldn't have told them about the vinyl wrap as it doesn't increase the performance or cost of the car.
When they hear "vinyl", they probably think it's a big advert for something and you'll drive round towns a lot or the car may be targeted by vandals.
I tend to agree with 'the man' on this...........
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BlackDog

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Re: Insurance on vinyl wrap
« Reply #10 on: August 12, 2010, 07:49:24 PM »
The guy just looked at it on his sheet of extras and had to ask me what a vinyl wrap
actually was, (Churchill won't cover any performance enhancements), and asked if it
was less than £250 or between £250 & £1000. The reason I've declared it is
because some silly moo drove into my front wing and the hassle we are going through
because they can't fix it in a normal garage. Luckily she admitted responsibility and her
insurance company rolled over on it. Nearly 2 months later it's still not fixed and it's
only a silly bit of vinyl that's been affected. The quote is still a lot cheaper than MSM
so I'm happy to declare it.
« Last Edit: October 04, 2011, 10:34:07 PM by CrazyG »
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David