Will My Insurance Go Up If I Wrap My Car?

Thinking of transforming your vehicle with a custom wrap? Whether you’re going for a bold colour change, business branding, or a stylish matte finish, wrapping your car is a fantastic way to stand out on the road. But one common question we hear at CarWrap24 is:

“Will my insurance go up if I wrap my car?”

Let’s break it down.

Is a Car Wrap Considered a Modification?

Yes, in most cases, vinyl wrapping is classed as a modification by car insurance providers. This includes full wraps, partial wraps, colour changes, and commercial branding. Even though it doesn’t affect the engine or performance, it still changes the appearance of your vehicle — and that’s what insurers care about.

Examples of wraps considered modifications:

• Colour-change wraps

• Matte, satin or gloss finishes

• Printed graphics or decals

• Company branding or advertising wraps

Will a Wrap Increase My Insurance Premium?

It can — but not always.

Some insurance providers may increase your premium slightly because:

• The wrap might make the vehicle more attractive to thieves

• Repairs or replacements could be more expensive

• The car is no longer “factory standard”

However, many insurers won’t charge extra, especially if:

• The wrap is professionally installed (like we do at CarWrap24!)

• The modification doesn’t impact safety or performance

• You’re using the car for personal use, not commercial purposes

Do I Have to Tell My Insurance Provider?

Absolutely — yes.

Even if the wrap is cosmetic, failing to declare it could invalidate your policy. Always inform your insurer before or after a vehicle wrap to stay protected.

Tips to Avoid Higher Insurance Costs

• Use a professional installer: A quality wrap done by a trusted company like CarWrap24 reassures insurers of the job’s quality.

• Keep documentation: Maintain proof of the wrap, including cost, material type, and installation details.

• Shop around: If your current insurer hikes your premium, it’s worth getting quotes from companies that are more modification-friendly.

• Choose a reversible wrap: One of the benefits of vinyl wrapping is it’s not permanent — this can work in your favour with insurers.

Wrapping for Business? Read This.

If your car is wrapped with company branding or used for business purposes, make sure you have the right commercial vehicle insurance. This is often separate from private vehicle coverage and should be discussed with your provider.

Final Thoughts: Will a Car Wrap Affect Your Insurance?

In short: it might, but not significantly.

As long as you’re upfront with your insurance company and choose a reputable wrap specialist (like CarWrap24), the process is usually smooth. Many of our clients see no change in their premiums at all.

Ready to Wrap Your Car?

If you’re considering a vehicle wrap and want it done right — with expert care and premium materials — get in touch with CarWrap24 today. We’ll be happy to guide you through the process, including what to tell your insurer.

📞 Contact us or 📩 Get a free quote at www.carwrap24.co.uk