Car PPF Accidental Damage Coverage – Is It Worth It? (2025 Guide)
✏ A D Nath | 📅 24 May 2025 | 🔖 Paint Protection Film
Your car isn’t just a vehicle—it’s an investment. And while a traditional car insurance policy covers major accidents, what about the daily wear and tear that ruins your auto showroom shine?
Scratches from keys, stone chips on highways, or UV damage from relentless sun exposure can degrade your car’s value long before an accident ever does.
Car owners today don’t just need insurance—they need smart protection. There’s now a smarter layer of security with Paint Protection Film (PPF), especially when paired with Accidental Damage Coverage. This blog dives into a new-age solution — Saint-Gobain PPF insurance, a valuable protection plan that complements your traditional car insurance policy.
What is PPF? (& Why It’s a Game-Changer for Car Protection)
PPF is a high-grade transparent film applied to a car’s exterior surfaces. It protects against stone chips, scratches, UV rays, and other environmental damage. Known for its self-healing, hydrophobic, and high-gloss features, PPF preserves your vehicle’s showroom-fresh look.
Why PPF is Popular Among Car Enthusiasts
- Rising cost of car repaints
- Desire to maintain resale value
- Enhanced aesthetic appeal
- Long-term protection with low maintenance
With such benefits, many car owners are choosing car PPF as a must-have enhancement.
Understanding Car PPF Accidental Damage Coverage
What is Accidental Damage Coverage for Car PPF?
While PPF protects your car's surface, an accidental insurance policy for car PPF adds another layer. It covers any accidental damage occurring within the installed PPF area, reducing out-of-pocket expenses and keeping your car in pristine condition.
Saint-Gobain PPF + Accidental Coverage with iNube Solutions: How It Works (2024)
In partnership with iNube Solutions, Saint-Gobain PPF now comes with an Accidental Damage Coverage Scheme. With a minimal annual premium of just 5% of the film’s actual cost (plus GST), customers can renew and enjoy uninterrupted protection during the warranty period.
How This Coverage Works
Annual Premium and Renewal Process
- Annual Premium: 5% of the actual PPF cost + GST
- Optional Renewal: Renew yearly within the warranty duration
What’s Included and Excluded
Included:
- Unlimited claims (within the original installed area)
- Coverage valid until total damaged area equals installed area (e.g., 100 sq. ft.)
Excluded:
- Claims beyond the installed PPF surface
- Non-renewed coverage lapses until next renewal
Comparison: PPF Accidental Coverage vs Traditional Car Insurance Policy
Key Differences in Claims, Repair Costs, and Renewal Hassle
| Feature | Car Insurance Policy | PPF Accidental Damage Coverage |
|---|---|---|
| Coverage Type | Major body damage, theft, etc. | Surface-level damage (scratches) |
| Claim Process | Lengthy and document-heavy | Easy & paperless |
| Premium Impact After Claims | Usually Increases | No impact |
| Renewal Requirements | Annual with strict deadlines | Optional (within warranty period) |
When to Rely on PPF vs Your Standard Car Insurance Policy
- Use PPF coverage for surface-level protection
- Use car insurance for structural repairs or major damage
- Best results come when both work complementarily
Does PPF Coverage Replace Your Car Insurance?
Absolutely not! It’s a complementary protection plan, not a replacement. Your car insurance policy handles legal, accidental, and third-party liabilities. Saint-Gobain PPF insurance focuses purely on protecting your car’s protection film.
Ideal Usage Alongside a Car Insurance Policy
- Prevent unnecessary minor claims
- Maintain your No-Claim Bonus
- Lower your repair and repaint bills
Smart Maintenance: Combine PPF Coverage with Timely Car Insurance Renewal
Why Both Are Essential for Total Protection
Just like skipping your car insurance renewal can leave you unprotected, ignoring PPF renewal may void damage coverage. Together, they form a complete protective circle.
Checklist Before Car Insurance Renewal
- Check for existing PPF coverage
- Renew car insurance before expiry
- Review the accidental insurance policy terms
Why Choose Saint-Gobain PPF with Damage Coverage at The Detailing Gang
Transparent Pricing for Saint-Gobain Paint Protection Film (PPF)
- NorShield PPF (180 microns): ₹80,000 – ₹100,000+ | 6-Year Warranty
- Sapphire PPF (195 microns): ₹99,000–₹1,20,000+ | 8-Year Warranty
- Hydro PPF (200 microns): ₹1,10,000–₹1,50,000+ | 5-10 Year Warranty
- Matte PPF (190 microns): ₹120,000–₹160,000+ | 5-Year Warranty
Free Services: 2 to 10 complimentary checkups, subject to periodic offers.
Added Peace of Mind
- Certified installers
- Instant claim verification and support
- Digitally recorded installation & warranty details
Final Thoughts: Is Car PPF Coverage Worth It in 2025?
In today’s world, where cars face daily threats from road debris, harsh weather, and unpredictable incidents, relying solely on a traditional car insurance policy is no longer enough. Combining it with Saint-Gobain’s PPF Accidental Damage Coverage adds a smarter, more comprehensive layer of protection.
From scratch and chip resistance to self-healing technology and unlimited claims within the coverage area, this plan is tailored for car enthusiasts who want peace of mind.
For those planning their next car insurance renewal, it’s the perfect time to also consider an Saint-Gobain accidental insurance policy for car PPF. Together, they ensure your vehicle stays both legally protected and visually stunning.
So, is it worth it? Absolutely—if you value your car’s aesthetics and long-term performance.
Get Protected Today
Protect your ride with Saint-Gobain PPF and its unique accidental insurance policy for car PPF today.
Protect your ride with Saint-Gobain PPF
Book a FREE PPF consultation at The Detailing Gang today! Visit: X-14, Okhla Phase-2, New Delhi
📞 Call/DM ☎ +91 85272-27733 | ☎ +91 79820-10584