Wrapped Car Insurance

Vinyl Wrapped Car Insurance from Keith Michaels

As experts in specialist car insurance, the team here at Keith Michaels are adept at finding the right insurance to cover all your needs. Some insurance companies consider car wraps to be a modification and therefore could be apprehensive about providing insurance. Avoid disappointment by contacting Keith Michaels first.

Car Wraps as a Modification

Many insurance companies regard a wrap as a modification, so modified car insurance may well be required for a wrapped car. Not all insurance companies view wraps this way and often it is just a case of needing to tell them. It is also very much dependent on the extent of wrap you have, and also the type of car you own.

What Happens if you Don’t Declare Your Car Wrap?

If you don’t declare your car wrap, or any modifications for that matter, you risk any future claims being rejected following an accident or theft. Failure to disclose a car modification can also be classed as fraud. So play it safe, and make sure you tell your insurer about your car wrap.

Cover Available For Any Wrapped Car

As a specialist insurance broker, we know the insurance companies and their attitudes to wrapped cars, so please contact us so we can run through your details. Some people wrap high performance cars, some on standard cars to cover paintwork blemishes, or you may have a business car that you use for advertising purposes. Whatever the reason, please speak to us today for advice and a competitive quote.

Does your insurance company need to know if your car has been wrapped?

Yes, you should let your insurance company know if you intend to, or have had, your car wrapped. Sometimes insurance companies class a wrap as a modification, however this is not always the case.

What other car modifications do I need to tell my insurer about?

It’s advisable to inform your car insurer about any modifications that change your car from the manufacturer’s standard. See our guide to modified car insurance to find out more about what counts as a modification, and the effects the changes could have on the cost of your insurance.

Are any car wraps illegal?

In the UK, car wraps are legal unless they are considered too reflective. This could be the case if you opted for an all-chrome wrap which reflected light too much in the summer or in snow, because this is likely to be distracting for other drivers. Learn more about what car modifications are legal in the UK.

How long does a car wrap last?

If cared for and looked after properly, vinyl wraps are estimated to last anywhere between 4 and 10 years. However, their longevity depends on a number of factors, including sun exposure, heat exposure and the frequency of which the car is washed and used.

Do I need to notify anyone else about my car wrap?

Yes, if you change the appearance of your car – for instance with a new colour or pattern from a car wrap – you need to inform the DVLA. It’s possible to do this by updating and sending off your V5C form. See the gov.uk website for more information.

Why do I need to declare a new car wrap?

The main reason why your insurance company and the DVLA need to know if you have had your car wrapped is to help identify it in the case of theft or an accident. If your V5C form states that your car is red but in fact you have had a matt black wrap applied to it, this will cause complications in the insurance claim and car recovery.

Can a car wrap make my insurance more expensive?

Some insurance companies might charge more if a car has been modified in any way from the manufacturer’s standard. With regards to car wrapping in particular, many people believe that specific colours correlate to insurance costs. One study reveals that black cars are 47% more likely to be involved in an accident, which is the reason why some people believe black cars are more expensive to insure.

How Can You Increase A Car Wrap’s Longevity?

If a car is exposed to constant sun and heat, its longevity will decrease. However, this can be avoided by making a point of parking in a shaded or covered area if leaving your car for a long period of time. Some wrapped car owners also invest in a protective ceramic coating to increase the car’s durability during washes and drives.