If PPF Is Applied on the Car, Can We Get Accidental Insurance Coverage for It?

Post By Autozcrave || 2025-07-14

If PPF Is Applied on the Car, Can We Get Accidental Insurance Coverage for It?

Many car owners today are choosing to apply Paint Protection Film (PPF) on their vehicles to keep the paint safe from scratches, stone chips, and sun damage. But one common question we often hear is: If I install PPF, will my car insurance still be valid? Or even more importantly, is PPF covered under car insurance in India? In this blog, we’ll explain how PPF and car insurance work together and what you need to do to get proper coverage.

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What Is Paint Protection Film?

Paint Protection Film (PPF) is a thin, clear film that is applied to the outer body of your car. It protects the car’s paint from damage like scratches, bird droppings, UV rays, and road debris. It also helps in keeping the car looking new for a longer time.

PPF is a popular choice among people who want their cars to look shiny and scratch free. But the real question is does insurance cover PPF in case of an accident?

Is PPF Covered Under Car Insurance in India?

The answer is yes, but only if you inform your insurance company. When you apply Paint Protection Film, it is considered an aftermarket accessory or external modification. That means it is not part of the original car features, so your car insurance policy won’t cover PPF automatically.

To get PPF car insurance coverage, you must:

• Tell your insurance company about the PPF installation.
• Submit the bill or invoice for the PPF.
• Add it to your policy under external accessories.
• Pay a small extra amount in your insurance premium.

Once you do this, car insurance for PPF will become active. If the car meets with an accident and the PPF gets damaged, you can claim the cost from the insurance company.

Does PPF Affect Car Insurance Claim?

Yes, it can. If you do not tell your insurance company about the PPF, and your car gets into an accident, your insurance claim may not include the cost of PPF. You will only get money for repairing the paint, not for replacing the damaged film.

But if you have informed the insurer, then PPF protection and car insurance claim will be connected. You can get full or partial payment for the damaged PPF, depending on your policy and the damage.

So, will I get full claim if PPF is damaged in an accident? Yes but only if it was declared in your insurance.

Does Installing PPF Invalidate Car Insurance?

No, applying PPF does not make your car insurance invalid. Your policy will still work. But to make sure your Paint Protection Film and insurance claim go smoothly, you should always inform the insurer before installing PPF on your car.

This is important because insurance companies calculate the car's value based on the original condition. If you add something expensive like PPF, they need to know it so they can update the IDV (Insured Declared Value).

How to Include PPF Cost in Car Insurance Policy?

Including the PPF cost in your insurance is simple:

1. Get the installation done from a professional shop.
2. Keep the bill or invoice.
3. Share the bill with your insurance provider.
4. Ask them to add it under car body film insurance in India or external accessories.
5. Pay the extra premium as required.

Now your car insurance claim with PPF will be valid, and you won’t face any issues if your car is damaged.

Cost of PPF vs Insurance Benefit

PPF installation can cost between ₹30,000 to ₹1,50,000 depending on the film quality and how much area is covered. That’s a big amount. If your car meets with an accident, replacing the PPF will be expensive.

This is why it’s smart to include the PPF in your insurance policy. A small increase in premium can help you avoid paying huge money later. So when you think about the cost of PPF vs insurance, the insurance benefit is clearly worth it.

Car Insurance for Aftermarket Modifications

PPF is an aftermarket modification, just like alloy wheels or car wraps. Many people ask, do car wraps and insurance policy go together? The rule is the same declare it to get coverage.

Car insurance for aftermarket modifications is possible in India, but only if the owner shares full details with the insurer. That includes PPF, wraps, body kits, lights, and more.

Will PPF Increase the Car's Resale Value?

Yes, PPF increases your car's resale value. Buyers love to see cars with original paint in good condition. So having PPF means fewer scratches, less fading, and more shine all of which help in resale.

Also, if your PPF is insured, the new buyer will feel more confident knowing the car is protected, both physically and financially.

PPF Warranty vs Insurance Coverage

Many good PPF brands offer 5 to 10 years of warranty, but remember this warranty usually covers fading, peeling, or yellowing, not accidental damage.

That’s why Paint Protection Film insurance in India is useful. Warranty covers film quality, but only insurance helps when there’s an accident or collision.

Final Thoughts: Protect Your PPF the Right Way

To sum it up:

• Yes, you can get accidental insurance coverage for PPF.
• You must inform your insurer and add the cost to your policy.
• Without declaration, you won’t get any claim for PPF damage.

So if you're asking, "If PPF is applied on the car, can we get accidental insurance coverage for it?" the answer is: Yes, but only if you follow the right steps.

Adding PPF is a smart move for car protection. But don’t stop there make sure your insurance protects it too. That way, your car stays safe, and your wallet does too!

Frequently Asked Questions (FAQ)

1. Is PPF covered under car insurance in India?

PPF is not automatically covered under car insurance in India. To include it, you must inform your insurance company, submit the invoice, and pay a small premium to add it under external accessories coverage.

2. Does insurance cover PPF in case of an accident?

Yes, but only if declared. If you’ve informed the insurer and included the cost in your policy, you can claim for PPF damage after an accident.

3. If I install PPF, will my car insurance still be valid?

Yes, your car insurance remains valid. However, PPF car insurance coverage will only apply if you declare the film to your insurer at the time of policy purchase or renewal.

4. How can I include PPF cost in my car insurance policy?

To include the Paint Protection Film cost, you need to:

• Submit the installation invoice to the insurer.
• Request to add it under external or body accessories.
• Pay the adjusted premium.

5. Will I get a full claim if my PPF is damaged in an accident?

If your PPF is declared and insured, you can get a full or partial claim depending on the extent of the damage and your policy terms.

6. Is PPF included in car insurance claims automatically?

No. Car insurance claims with PPF are only accepted if the PPF is declared and the cost is added to the policy.

7. Does installing PPF increase the IDV of the car?

Yes, when you declare the PPF cost to the insurer, your car's Insured Declared Value (IDV) may increase slightly.

8. Can I insure my car wraps and PPF together?

Yes. Both car wraps and PPF are considered external modifications and can be added to your insurance policy under aftermarket accessories.

9. What is the difference between PPF warranty and insurance?

PPF warranties usually cover manufacturing defects like yellowing or peeling, but accidental damage is only covered by insurance if you declare the PPF.

10. Should I inform the insurer before applying PPF?

Yes. You should always inform your insurer before or immediately after applying PPF so they can add it to your policy and provide proper coverage.