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How Does Wrapping a Car Affect Insurance

How Does Wrapping a Car Affect Insurance

When you get your car or van wrapped, you would think that it would be beneficial towards your insurance. However, it isn’t as simple as that, there may be instances where you have to choose between protecting your vehicle, or paying more through your insurance. But is this the case all the time?

In this blog, we will answer the question ‘How does wrapping a car affect insurance?’

The UK automotive aftermarket industry is thriving, ranking fourth in Europe and ninth in the world in terms of size, and turning over an annual £21.1 billion.

The sector supports 345,600 jobs and contributes £12.2 billion each year to the economy. And it is growing: the sector’s value is set to rise to £28 billion by 2022.

That’s why we at Car Specialist Customs are here to provide you with all the information you require to get the best car customisation possible, whilst being as informed as possible.

Vehicle wraps explained

Do You Need Black Packs for Your Car?

Vehicle wrapping is a process which involves covering a vehicle with a special film that can change the colour, or add additional protection to the paint of your vehicle. But it is more than just a visual aid! A vehicle wrap can…

  • Protect your vehicle’s paintwork from being damaged by UV rays. Without vehicle wraps, over time your vehicle’s paintwork can fade away, depending on how often it is exposed to the sun.
  • Can protect from stains. Whether that be from mud, dust, and rain and more. Some stains can have a lasting effect on vehicle wraps, so regular maintenance is required.
  • A custom wrap can be a great way to market your product, if you also happen to be a business owner.
  • A cheaper and quicker alternative to painting a vehicle.

Vehicle wraps can be applied to cars and vans of various sizes, the only limit is what the installer is able to handle!

That being said, certain vehicles that have significant damage to the body, or the paint, may not be eligible for a wrap. In addition to this, a vehicle wrap can’t be applied to any government vehicles that are currently in use.

Regardless of the vehicle being wrapped, you must have the permission of the vehicle owner, as well as informing your insurer, which we will discuss in detail.

How does wrapping a car affect insurance?

How does wrapping a car affect insurance?

Wrapping your car can impact your insurance in one of two ways. However, this is entirely dependent on your insurer, and the policies you agreed to when using them. The effects can be either:

  1. No changes at all
  2. An increase in your premium.

The reasoning for these possible outcomes is as follows.

If there are no changes, it could indicate that your insurer does not feel it is an issue that would require an increase in your premium.

However, if the premium increases, this may likely be that the insurer believes the vehicle wrap can bring more attention to your vehicle, giving it a higher risk of theft or damage. That being said, this may generally be the case for coloured or custom wraps, instead of a clear vehicle wrap.

Regardless, you have to let your insurer know if your vehicle has had any modifications, including a vehicle wrap, as well as the DVLA.

If you have a coloured or custom wrap, and you have not altered the relevant parties, your vehicle may not be legally recognised as what it was registered as on the DVLA and insurance databases.

Can a vehicle wrap help me save money?

Yes, a vehicle wrap can help you save money in more than one way, and in some cases, even help you earn more from a sale!

A vehicle wrap can help you save money by mostly preventing the need to fix the vehicle in the instance of any scratches or paint damage, which vehicle wraps are known to prevent.

In terms of earning more money, if the wrapped vehicle in question is sold, it has the chance of being sold for more money than if it didn’t have the wrap. This is because a vehicle wrap will protect the vehicle externally to a degree, resulting in a more pristine vehicle that is more difficult to haggle over.

Is a vehicle wrap the best option?

In our opinion, yes. Vehicle wraps can be removed at a later time if required, whereas some applications, such as ceramic coating, can not, as it applied directly on the vehicle’s surface. For those considering the best possible protection, there is a possibility to use ceramic coating and a vehicle wrap in conjunction.

The easiest way to get a car wrap

Going through an established vehicle modifier is the best way to get your vehicle wrapped. This is because their experience, along with the equipment they have on hand, leads to less room for any error.

Car Specialist Customs holds combined years of experience in wrapping vehicles of various shapes and sizes, Our wraps have a warranty for 3 years, ensuring quality and longevity. We have one of the most professional vehicle wrapping processes.

So when we wrap your vehicle, we make sure to…

  1. Discuss what kind of wrap you want, and where you would like it.
  2. Measure the vehicle / relevant areas where the wrap will be applied.
  3. Clean the vehicle / relevant areas before applying
  4. Begin our process of application to your vehicle
  5. Inform you of any maintenance / dos and don’ts when it comes to the longevity of the wrap.

Does the method of vehicle wrap installation affect insurance?

Generally, no. Whether you go through a professional service, or wrap the vehicle yourself, you must firstly inform your insurer. Regardless of how it is applied, as long as it’s correct, it shouldn’t be an issue. But if this is against your insurers policies, you may be penalised or asked to remove it.

Wrap your vehicle today

Wrap your vehicle today

Our team members at Car Specialist Customs are extremely passionate and proud of the multiple services and products we provide for the people of Greater Manchester and beyond.

As a fully insured and approved installer, catering to the needs of vehicle owners of Greater Manchester and beyond, we are proud to let you know that we offer services for the following:



Featuring the brands, Pandora, ScorpionTrak, Meta Trak & SmarTrack, we’ve included affordable, and premium products to suit the needs of our customers. With finance options available, and the option of installation, head to our website to get your quote!

We will always go above expectations to make your car feel special to you. With even more services and options becoming available in the future, Car Specialist Customs is the home of making any car unique, secure and special.

See what we can do for you today, we hope the details we shared have helped you decide to take a step forward in personalising your vehicle with our unique service.

In this blog, we aimed to have answered the question, ‘How does wrapping a car affect insurance?’ Whilst also providing supplementary information that can help you make an informed choice when it comes to investing in customisation options for your vehicle.

Want to get in touch? You can find us right here:


Unit 30

Caldershaw Centre

Ings Ln


OL12 7LQ


Monday to Wednesday – 10 AM—7 PM

Thursday – Closed

Friday to Sunday – 11 AM—7 PM


07523 971347 (Mon – Fri: 8:30 am – 6:00 pm)


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