PPF Insurance
PPF Insurance Claims 2026 HK: Accidents, Fuel Spills, Battery Acid — What's Covered?
Part of the PPF BY CAR topic hub
After correction, sealing the paint with film protects the work. car wrapping Hong Kong — The guide breaks down how film pricing is calculated (area, disassembly, film grade).
You spent HK$20k+ on PPF — will insurance cover it when things go wrong? Short answer: comprehensive usually yes, but only if you file correctly. This guide covers 5 claim scenarios, excess math, and the PPF Damage rider so you don't pay out of pocket.
1. Five claim scenarios
| Scenario | Comprehensive? | Third-party? | Notes |
|---|---|---|---|
| Hit by another car (their fault) | ✅ Yes | ❌ | Their insurer pays; needs original invoice |
| Single-vehicle accident | ✅ Yes | ❌ | Excess deducted (typically HK$3,000–8,000) |
| Stone chip through PPF + paint | ✅ Yes | ❌ | Police report may be required |
| Fuel / battery acid on film | ⚠️ Rider-dependent | ❌ | Requires PPF Damage rider |
| Auto-carwash brush damage | ❌ | ❌ | Carwash operator's liability — claim from them |
2. 5-step claim flow
●Step 1: Photograph scene
Multiple angles + wide + close + plate. If third party, capture their plate + driver.
●Step 2: Police report (if needed)
Stone chips, collisions, multi-event — get a case number.
●Step 3: Notify insurer within 24 hrs
Phone + email — get a claim number.
●Step 4: LETS GET WRAP quote + invoice
We WhatsApp you the panel-replacement quote + install date + e-warranty, or send directly to the insurer.
●Step 5: Install + payment
After excess, insurer pays us directly or reimburses you post-install.
3. Excess math
Example: GSWF Defender full-car HK$18,800, front bumper collision rewrap HK$5,800.
| Insurance type | Excess | You pay | Insurer pays |
|---|---|---|---|
| Comprehensive (standard) | HK$5,000 | HK$5,000 | HK$800 |
| Comprehensive (excess-reduce rider) | HK$1,500 | HK$1,500 | HK$4,300 |
| Comprehensive + PPF rider (HK$500/yr) | HK$0 | HK$0 | HK$5,800 |
| Third-party only | N/A | HK$5,800 | HK$0 |
4. PPF Damage rider — worth it?
●Worth it: full-car PPF HK$20k+
Rider HK$500–1,500/yr covers fuel / battery acid / chemical damage. One claim = paid off.
●Worth it: Tesla / BYD EVs
Battery acid spill protection — common at charging stations.
●Maybe not: front / half-car under HK$10k
Self-cover is cheaper; 5-year rider cost > one rewrap.
5. Two real cases
●Tesla Model Y front bumper hit (GSWF Elite)
Third party 100% at fault — their insurer covered HK$5,800 rewrap + HK$1,200 alignment. Owner paid HK$0.
●Porsche 992 multi-panel stone chips (CYBRIX)
Own comprehensive + PPF rider (HK$800/yr) — 5-panel replacement HK$18,600 fully covered. Owner paid HK$0.
Full PPF pricing: /en/wrap/ppf-price-hk. WhatsApp us for a quote: /en/contact.
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