Does Insurance Cover Paint Protection Film or Ceramic Coating?

Post By Autozcrave || 2025-07-19

Does Insurance Cover Paint Protection Film or Ceramic Coating?

In this blog, we will explain everything about insurance for paint protection film, ceramic coating insurance coverage, and how insurance companies in India look at these car modifications.

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What Is Paint Protection Film and Ceramic Coating?

Paint Protection Film (PPF) is a transparent layer applied over your car’s paint to protect it from stone chips, scratches, and small damages. It is very useful if you drive in tough traffic conditions or on highways.

On the other hand, ceramic coating is a liquid that is applied to your car's surface. Once it dries, it forms a strong protective layer that gives a glossy shine and protects your car from dirt, chemicals, and UV rays.

Both PPF and ceramic coating are becoming popular in the Indian car detailing market. But are these protective layers covered under car insurance?

Does Insurance Cover PPF or Ceramic Coating?

The short answer is car insurance does not cover PPF or ceramic coating by default. However, in some cases, you may get PPF insurance or ceramic coating insurance coverage if you follow the proper steps.

Here is when your insurance might cover these treatments:

When Insurance Might Cover Paint Protection Film or Ceramic Coating

1. Declared as Modification
   If you inform your insurance company that you have added PPF or ceramic coating, they can include it in your policy as a car modification. This increases your car’s insured declared value (IDV), and now, any damage to these coatings might be covered.
2. Comprehensive Insurance
   If you have a comprehensive car insurance policy, and you have declared the coating, then you may be able to claim for the damage to PPF or ceramic coating during an accident.
3. Accident or External Damage
   If your car is involved in an accident and the PPF or ceramic coating is damaged, you can file an insurance claim. But again, this is only possible if you declared the coating earlier.

When Insurance Does Not Cover PPF or Ceramic Coating

1. Not Declared in Policy
   If you did not inform your insurer when you added PPF or coating, then it is not part of your policy. In that case, your insurance will not pay for any damage to it.
2. Normal Wear and Tear
   Shine fading in ceramic coating, dullness, or water spots are normal over time. Insurance does not cover these as they are not caused by accidents.
3. Third Party Insurance Only
   If your car only has third party insurance, it will not cover your car’s own damage. So, even if your ceramic coating is damaged, it will not be included in the claim.

How to Claim Insurance for Paint Protection Film or Ceramic Coating

If you want to claim insurance for your paint protection film or ceramic coating, follow these steps:

1. Check if the coating was declared in your insurance policy.
2. Take photos of the damaged area.
3. Contact your insurance company and tell them about the issue.
4. Share the installation bill or warranty card if needed.
5. Submit the claim form and wait for approval.

If everything is in order, your insurance claim for paint protection or coating damage may be approved under accidental damage.

Important Tips for Car Owners

• Always declare any car modifications, including ceramic coating and PPF, when you buy or renew your insurance.
• Ask your insurer if they provide coverage for car detailing or accessories.
• Read your vehicle insurance and PPF section carefully in your policy document.

This small step can make a big difference when you want to claim insurance for ceramic coating or PPF damage.

What About Ceramic Coating Protection Warranty?

Most ceramic coating installers provide a ceramic coating protection warranty. This is separate from your car insurance. The warranty covers:

• Loss of gloss
• Minor damage from UV rays or bird droppings
• Protection failure

But remember, this is only a service warranty and not part of your vehicle insurance.

Is Paint Protection Film Included in Insurance Policy in India?

In India, most car insurance policies do not include PPF coverage by default. But if you ask your insurance company and add it as a declared accessory, then it may be included.

So, if you are installing paint protection film or ceramic coating, talk to your insurance agent. Ask whether it is counted as a car modification or extra accessory. Then decide if it’s worth adding to your insurance.

Final Thoughts

Protecting your car with ceramic coating or paint protection film is a smart decision. These products keep your vehicle looking great and safe from everyday damage. However, if you want to make sure your investment is protected, you must check whether your car insurance covers PPF or ceramic coating.

Always inform your insurer when you install these coatings and ask them to include it in your policy. This simple step ensures you’re covered in case of any future damage and avoids surprises when you try to file a claim.