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Discussion Starter · #1 ·
Hello everyone,

So I am due to receive my ordered car next week if all goes as planned.

I am thinking of having the front end liquid polymer protected by a bmw dealer. This is because the i3 I have had for 5 years the front end looks really messy. And this new car is in a different league in terms of price and options as the dravit grey is a fragile colour.
I have yet to speak to my insurance provider Aviva however I am not sure they accept cover for this even thought it’s oem done by a dealer with bmw approved service people.
Therefore I would like some advice and experience in having a back up insurance provider to turn to. I have had two claims (both against another driver) and I can’t really fault Aviva and their service and repair.
So basically I need some options please.
 

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Great news on the car. I hope you will be telling us all your impressions of it.

I personally wouldn't even think of mentioning this to my insurance company. Not to be fraudulent but I wouldn't consider it to be a modification to the car. It would be a bit like declaring what car wax you used. I'm not saying you are wrong, that's just my take on it.

Have you considered PPF? It is more expensive, £2000-£4000, depending on how much of the car you have done, but is a lifetime protection and probably a lot more effective. There are a few discussions on the forum but this isn't a bad starting point - How to keep an i4 as beautiful as the first day?

Also, I wouldn't get any treatment like this through a dealer. Just go direct to a local specialist (which is what they will do anyway) and save yourself some money.
 

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Ceramic coating (if that's what you mean by liquid polymer) doesn't actually give much protection from things like stone chips at all and is mostly for ease of maintenance etc., but insurers don't care about it.

PPF is the thing that will give you actual real paint protection, however insurers generally want to know and I can tell you from first hand experience that Aviva will not insure the car if it has PPF on even a single panel.
 

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That's good to know @Peter , I wouldn't have even thought to mention it.

I wonder why some insurers don't like it?
My understanding why they want to know at least is that it causes extra labour if they have to pay for work on those panels. So even if it's just removing the PPF they aren't interested.

Insurers like Admiral seem happy to cover the car with PPF but they will put a note saying it's a cosmetic change (doesn't increase premium) and the film itself isn't covered for replacement if there's an issue.
 

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Insurers like Admiral seem happy to cover the car with PPF but they will put a note saying it's a cosmetic change (doesn't increase premium) and the film itself isn't covered for replacement if there's an issue.
That I can understand. That's sort of how I saw it anyway and didn't expect it to be covered by insurance. Refusing to insure just seems odd.

Thanks for the heads up though. Would have been awful to have a claim refused because I hadn't declared it.
 

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That I can understand. That's sort of how I saw it anyway and didn't expect it to be covered by insurance. Refusing to insure just seems odd.

Thanks for the heads up though. Would have been awful to have a claim refused because I hadn't declared it.
Yes I agree refusing to insure seems ridiculous to me - honestly think they shouldn't be allowed to refuse cover for "modifications" like PPF when fitted by an accredited detailer or something.

Makes me wonder if they did try and deny a claim if you would win at the ombudsman since there's almost no way it would materially affect anything. That is assuming you just assumed you had cover and didn't already call them and get told explicitly you aren't covered.
 

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Discussion Starter · #8 ·
Great news on the car. I hope you will be telling us all your impressions of it.

I personally wouldn't even think of mentioning this to my insurance company. Not to be fraudulent but I wouldn't consider it to be a modification to the car. It would be a bit like declaring what car wax you used. I'm not saying you are wrong, that's just my take on it.

Have you considered PPF? It is more expensive, £2000-£4000, depending on how much of the car you have done, but is a lifetime protection and probably a lot more effective. There are a few discussions on the forum but this isn't a bad starting point - How to keep an i4 as beautiful as the first day?

Also, I wouldn't get any treatment like this through a dealer. Just go direct to a local specialist (which is what they will do anyway) and save yourself some money.
Thank you everyone for the replies.
So liquid polymer is basically ppf but instead of putting a pre manufactured vinyl wrap, bmw sprays the polymer onto the actual components.
1.They can make it far thicker
2. Apparantly does not degrade that much with time and can be re conditioned.

basically it’s against stone chips and other road debris like branches. The i4 has a painted front diffuser and gonna be very sensitive.

so I just throught to tell the insurer because if the car suffers a frontal crash because of the car behind (I would be in the middle) then they would replace the ppf.

They quote by model for frontal spray, it’s like I think 1800-2200 as I remember for a 4 series.
i will also want to the get headlight done since if a small rock penetrated the plastic headlight, the full assembly will be like 500-600 to replace.
 

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Discussion Starter · #10 ·
Thank you everyone for the replies.
So liquid polymer is basically ppf but instead of putting a pre manufactured vinyl wrap, bmw sprays the polymer onto the actual components.
1.They can make it far thicker
2. Apparantly does not degrade that much with time and can be re conditioned.

basically it’s against stone chips and other road debris like branches. The i4 has a painted front diffuser and gonna be very sensitive.

so I just throught to tell the insurer because if the car suffers a frontal crash because of the car behind (I would be in the middle) then they would replace the ppf.

They quote by model for frontal spray, it’s like I think 1800-2200 as I remember for a 4 series.
i will also want to the get headlight done since if a small rock penetrated the plastic headlight, the full assembly will be like 500-600 to replace.
But honestly, if it will be a crash the panels will be removed anyway, I mean not resprayed but whole components changed and therefore they won’t have to remove any of the ppf.
I won’t ever actually hit smth myself, like a wall or anything that needs respraying by the insurer and not changing (I would do this privately anyway)

so the question remains, do I tell them or just put it on?
if the car suffers a frontal crash everything goes anyway.
 

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How much are they charging you for it?

Have you watched this?

If it's 4 figures then it might not cost much more for proper PPF anyway especially if it's only front panels.
 

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Discussion Starter · #13 ·
Yes I agree refusing to insure seems ridiculous to me - honestly think they shouldn't be allowed to refuse cover for "modifications" like PPF when fitted by an accredited detailer or something.

Makes me wonder if they did try and deny a claim if you would win at the ombudsman since there's almost no way it would materially affect anything. That is assuming you just assumed you had cover and didn't already call them and get told explicitly you aren't covered.
I didn't call them, I just saw a forum from last year saying people got told.

But I mean I am 100% sure I will never ever never claim on the front of the car. if a crash happens, all of the front is scrapped anyway.
I have the parking assistance plus pack and the bmw pilot assistance so really not going to happen.

Its more that, the i3 front end is like terrible. If that happens to the i4, the car value will drop, and look awful.
also as I said if the car headlights crack front a stone, the entire headlight goes. so 500-600£.
I will be keeping the car for 7-8 years, so to me it looks worth it. its just do I need to declare on the insurance.

I don't really understand if they don't cover for it (me needing to pay extra), I don't see how it involves them. as I said I will never really claim on the front of the car, unless it crashes and the entire front panels are replaced, because they are broken, and bent. then it really doesn't matter if its ppf or not.

any thoughts?

is anyone else getting ppf?
 

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Discussion Starter · #14 ·
How much are they charging you for it?

Have you watched this?

If it's 4 figures then it might not cost much more for proper PPF anyway especially if it's only front panels.
last time I saw (few months ago) for frontal 4 series it was 1800-2200£. and then 5000£ for the whole car.

I think the price is alright. The tech should be good as well, I mean the spray part.

they do it for a lot of m3 and m4 apparently and they work pretty well. has a 5 year warranty against defects and bird droppings.
 

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Discussion Starter · #15 ·
Great news on the car. I hope you will be telling us all your impressions of it.

I personally wouldn't even think of mentioning this to my insurance company. Not to be fraudulent but I wouldn't consider it to be a modification to the car. It would be a bit like declaring what car wax you used. I'm not saying you are wrong, that's just my take on it.

Have you considered PPF? It is more expensive, £2000-£4000, depending on how much of the car you have done, but is a lifetime protection and probably a lot more effective. There are a few discussions on the forum but this isn't a bad starting point - How to keep an i4 as beautiful as the first day?

Also, I wouldn't get any treatment like this through a dealer. Just go direct to a local specialist (which is what they will do anyway) and save yourself some money.
Sorry just to be clear, Sytner BMW does it through their bodyshop. So they have the equipment necessary to do it (so they say) they won't outsource it to a 3rd party. I found their prices last time I checked to be quite transparent. I don't know what you think, but isn't around 2000£ a fair price for the front end including mirrors and wheel arch panels?
 

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The price seems fair bearing in mind that the work involved is move than applying PPF. Having watched the video though, the author does seem to clearly demonstrate that the protection it offers against physical damage, like chipping, is significantly less. For most people, that is why they get PPF.

The author makes clear he has a vested interest in PPF. I would do some internet searches to see if his view is shared by people who have had the treatment. There is no denying the chips he showed on the car that had PPS, you just wouldn't see that with PPF.
 

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Discussion Starter · #17 ·
The price seems fair bearing in mind that the work involved is move than applying PPF. Having watched the video though, the author does seem to clearly demonstrate that the protection it offers against physical damage, like chipping, is significantly less. For most people, that is why they get PPF.

The author makes clear he has a vested interest in PPF. I would do some internet searches to see if his view is shared by people who have had the treatment. There is no denying the chips he showed on the car that had PPS, you just wouldn't see that with PPF.
So I read a few articles.

to me it seems pps is the new higher technology (future) over ppf.
over the last few years pps has grown a huge amount so I think I will stick with it over ppf.
It has the added benefit of having a lower thickness on the panel gap areas so you can see it. Also apparantly because it’s sprayed on from particular form rather than stuck on premanufactured, it apparantly lasts longer (no idea about that).
Everything else is the same and same properties including self healing.

i am however concerned about “yellowing effect” from the sun. The car will be kept outside and sun will be shining in the summer. however I read that the technology has come a long way and the warranty should provide cover if manufacture defect happened or yellowing effect.
Have you guys had any issues with the sun and ppf before??
 
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