I have read elsewhere that there can be insurance issues relative to a claim if the insurer had not been informed that the vehicle in question had PPF over the paintwork at the time the policy was taken out.... Unfortunately I can not remember the exact details, though perhaps worth checking out...?
That may have been on here, on another thread with reference to PPF and in particular Xpel.
This original thread is from a long time ago and relates to when Morgan, via Revolutions in Scotland, were offering an early form of PPF, fitted at the factory. This is back when the vinyl had a tendency to yellow over time; however, with that said, I had it fitted to my Aeromax from new, by Revolutions, and it wore very well and didn't visibly yellow.
Nearly 20-years later, technology has moved on massively and Xpel, in particular, is an exceptional product - especially the 'self healing' element.
However, on your point above, the reason it needs to be declared is that should the vehicle require work, there is a high probability that the vehicle will require the section that required repair having the PPF stripped and then new reapplied post repair. This, of course, increases the cost of the job and therefore, insurance companies want to be made aware if it has been fitted. I'm yet to hear of them upping the premium but they'll always be one case; however, I personally haven't had that issue and standard procedure is to document it and just add it to the policy.
