u/_B58_

Hi all,
My car insurance is due for renewal, and I’m also planning to have Paint Protection Film (PPF) applied to my car. I had a few questions and was hoping someone with experience could help.

Does PPF need to be declared to my insurer? It doesn’t change the car’s colour or performance, so I’m not sure whether it counts as a modification.
If it does need to be declared, what modification category does it fall under? I’ve been getting quotes through comparison websites, but I can’t find a suitable category for PPF and have placed it as ‘Paintwork - Other’.

When I declare it, the quotes increase by around £90 per month, which seems really high for PPF. I’m happy to pay the correct premium if needed, but I’m wondering whether comparison sites just don’t handle this type of modification very well because there’s no obvious category.

Would it be better to contact insurers directly and explain that it’s just PPF rather than selecting a generic modification category?

Sorry if this is a basic question—it’s my first time dealing with PPF, so any advice would be appreciated!

Hi all — I was recently involved in a non-fault accident. I was driving on a main road with a 40mph speed limit when a young driver pulled out in front of me behind another car. My car braked automatically before I even had time to react. Thankfully, nobody was injured. My car only suffered some scratches to the bumper, while their car ended up with a dent to the right wing/fender.

At the scene, the other driver accepted liability and even admitted they “couldn’t see” before pulling out. However, their dad later contacted me asking to sort it outside of insurance and then later claiming they had not accepted liability and that I was somehow at fault because I still hit them.

I’ve already informed my insurance company, and they’ve told me the other driver is clearly at fault. They’ve authorised the repair, and I’ve chosen to use the manufacture to repair the bumper rather than their preferred body shop.

I also took photos of both the damage and the road layout, including the other driver’s reported view at the time. Unfortunately, I don’t have dashcam footage or CCTV, and my insurer hasn’t asked me for any additional evidence so far.

I’m keen to get this resolved as quickly as possible as the situation is causing me a fair amount of stress. I was not at fault in this incident and would not accept anything less than 100% liability being attributed to the other driver, particularly as I do not want this affecting my NCD.

Has anyone experienced a situation where the other driver later changed their version of events or denied responsibility after initially admitting fault?

Many thanks for any help/advice

Edit: I have drawn a road layout and placed it in the comments

UPDATE: The other driver has admitted liability. I am now sorting out the necessary repairs with their insurer.

Hi all — I was recently involved in a non-fault accident. I was driving on a main road with a 40mph speed limit when a young driver pulled out in front of me behind another car. My car braked automatically before I even had time to react. Thankfully, nobody was injured. My car only suffered some scratches to the bumper, while their car ended up with a dent to the right wing/fender.

At the scene, the other driver accepted liability and even admitted they “couldn’t see” before pulling out. However, their dad later contacted me asking to sort it outside of insurance and then later claiming they had not accepted liability and that I was somehow at fault because I still hit them.

I’ve already informed my insurance company, and they’ve told me the other driver is clearly at fault. They’ve authorised the repair, and I’ve chosen to use the manufacture to repair the bumper rather than their preferred body shop.

I also took photos of both the damage and the road layout, including the other driver’s reported view at the time. Unfortunately, I don’t have dashcam footage or CCTV, and my insurer hasn’t asked me for any additional evidence so far.

I’m keen to get this resolved as quickly as possible as the situation is causing me a fair amount of stress. I was not at fault in this incident and would not accept anything less than 100% liability being attributed to the other driver, particularly as I do not want this affecting my NCD.

Has anyone experienced a situation where the other driver later changed their version of events or denied responsibility after initially admitting fault?

Many thanks for any help/advice