[FossieBear]

Hi Guys. Just had a discussion with Aviva

Currently claiming for rear bumper accident - that they approved. However the car is ceramic coated - it was not list as a modification so they refused that part.

Also going forward they now confirm that their underrighters cannot cover any ceramic coating so will continue present cover only but after that they will not insure the car

They say wax is OK ! Any comments

[srbs73]

Originally Posted by FossieBear

Hi Guys. Just had a discussion with Aviva

Currently claiming for rear bumper accident - that they approved. However the car is ceramic coated - it was not list as a modification so they refused that part.

Also going forward they now confirm that their underrighters cannot cover any ceramic coating so will continue present cover only but after that they will not insure the car

They say wax is OK ! Any comments

Wow, that's outrageous! One thing to say they won't pay out for ceramic coating, but to then not allow a renewal is quite another!

Only experience I've had is someone reversed into my parked car in 2021. All picked up on dashcam, so was able to claim and they also allowed me to send the car off to the 3rd party that did the ceramic coating of the front bumper after the repair / respray was done.

[bmnut]

Originally Posted by FossieBear

Hi Guys. Just had a discussion with Aviva

Currently claiming for rear bumper accident - that they approved. However the car is ceramic coated - it was not list as a modification so they refused that part.

Also going forward they now confirm that their underrighters cannot cover any ceramic coating so will continue present cover only but after that they will not insure the car

They say wax is OK ! Any comments

Ridiculous!........Which insurance company?

[peelerec]

Originally Posted by FossieBear

Hi Guys. Just had a discussion with Aviva

Currently claiming for rear bumper accident - that they approved. However the car is ceramic coated - it was not list as a modification so they refused that part.

Also going forward they now confirm that their underrighters cannot cover any ceramic coating so will continue present cover only but after that they will not insure the car

They say wax is OK ! Any comments

I would honestly call and yell. Worse case, buy a coating and do it yourself if possible. Plenty of reasonably priced coatings that are consumer friendly applications, pro grade.

[bmnut]

Late last year I had to have the driver's door mirror replaced and the cover painted and then to my detailer to have it re-coated. It was an insurance claim and the ceramic re-coating was included in the repair estimate by the bodyshop and my insurance company simply paid in full and never questioned the ceramic coating aspect at all.
I'd definitely have a right go at your insurance company over that!

[Dan B]

Originally Posted by bmnut

Ridiculous!........Which insurance company?

OP -->

Originally Posted by FossieBear

Hi Guys. Just had a discussion with Aviva

[bmnut]

Originally Posted by Dan B

OP -->

Yup...missed that!

[Bianchi Dave]

What nonsense. Insurance companies really don't help themselves do they?
What's next, if you wash your car we won't offer a renewal?

I've heard of a few classing PPF as a modification and refusing to pay out (its invisible, unless stealth or the like). I kind of get that though, as PPF is bloody expensive and not an original part.

Maybe their algorithms think if your car is PPF'd or ceramic coated you're more likely to drive like a knob. No, it suggests you're more careful and protective of your car, drive properly and don't treat the steering wheel like a piece of furniture or only look ten feet in front of the bonnet, like 90% of tw@ts using the road.

Yes, I'm grumpy and tired

[MIMISOCKM2]

Aviva are very clear on this.

PPF = hard no
Ceramic coating = hard no
Remap = hard no

OP is lucky they didn’t cancel his insurance, actually.

https://www.financial-ombudsman.org....RN-4496887.pdf

[srbs73]

I was with General Accident when my car was damaged.

[Martyn86]

Originally Posted by MIMISOCKM2

Aviva are very clear on this.

PPF = hard no
Ceramic coating = hard no
Remap = hard no

OP is lucky they didn’t cancel his insurance, actually.

https://www.financial-ombudsman.org....RN-4496887.pdf

I was in a similar position to the OP last Sept. Long story short I had a deer run into the side of my car, despite trying my best to avoid! Basically this resulted in my car requiring a new passenger door mirror and door plus a re-spray… prior to this it had never crossed my mind to notify my insurer (also Aviva) that I had a full ceramic coating professionally applied by a reputable detailer. The bodyshop I chose to use was a “non-approved” repairer as the five options given by Aviva were pants and not imho up to the standard of repair I’d be happy with.

When talking over the repair with the bodyshop I mentioned the ceramic coating to which they confirmed they could claim for this. Fortunately the quotation including re-applying the ceramic coating was agreed by Aviva and undertaken with minimal fuss.

I wonder if Aviva have recently changed their policy on ceramic coatings or if it depends who you speak with / how the claim is processed?

Cheers Martyn