[julianbiggs]

Right

Who knows a decent company that we can use for van insurance ? Its been in individual names before but we want to put it in our business name. Who's best for that ?

[dannymack]

Some use A-plan as they borrow you a van with a fitted system if yours is off the road
I stayed with my own which is CVD commercial Vehicle Direct which is. Broker and find the cheapest. They are ok been with them for 2 years.
Have you not typed in Van Compare ? 👳👳👳🌲🌲🌲

[Frankybadboy]

try Aviva,not on comparison web-site,you could be surpised I was

[Pete Thompson]

Alexander swan

Insure your van, system and poles all in one policy.

And you get a courtesy van with an ionics system if yours is off the road.

[EandM]

Adrian Flux is very good for WFP installations.

[PoleKing]

I got a renewal from Aplan-substantially higher than the year before.
Quoted by more than.
Went back to Aplan-they price matched.
And are better IMO as they will supply a WFP van.

Daniel Such is the fella that sorted me out. Top bloke.

[Mike #1]

Dan is the Man   . Adrian Flux offered me a cheaper quote but could not offer me a courtesy vehicle with a fully fitted system .

No good getting cheaper Insurance if your van is off the road and cant work for 2 weeks because you dont get a van with fitted system . Mike

[PoleKing]

Dan is the Man   . Adrian Flux offered me a cheaper quote but could not offer me a courtesy vehicle with a fully fitted system .

No good getting cheaper Insurance if your van is off the road and cant work for 2 weeks because you dont get a van with fitted system . Mike

Did you tell Aplan?
They may have price-matched...?

[Mike #1]

It was only £40:00 Darren , I got the best deal they could offer me wirh having a Pickup truck not everyone will insure with a diy fitted .

Which is puzzling as they are designed to carry a heavy weight and have double bulkhead unlike a van . Mike

[Soupy]

It was only £40:00 Darren , I got the best deal they could offer me wirh having a Pickup truck not everyone will insure with a diy fitted .

Which is puzzling as they are designed to carry a heavy weight and have double bulkhead unlike a van . Mike

Never had an issue with refusal to insure a diy system. Why even mention it? You are carrying the tools of your trade. And before I get balh blah they won't pay out blah blah. Yes they will. Yes they have.

I have had an underwriter round to inspect a written off vehicle with a system in the back, he wasn't interested. These are the tools of your trade - the system was insured though our liability insurance also but due to good design there was nowt wrong with it. We removed it and fitted it to another landrover (having been rolled twice at 60mph).

I suppose if you want a rental you have to tell the insurance company?

I have always used a broker. It means you have a name and number of a real person who will deal with any issues you might have.

[Mike #1]

Stuart when i first got my Truck in 2011 i got a load of refusals when contacting different insures they point blank refused to insure with a diy fitted tank .

 And some of these companies had been recommend on this forum from lads with vans , When i first spoke to Dan Such at A Plan he even said some insures did not like to insure pick ups whether they thought everyone with a pick up was a Gypsy and was high risk i have no idea .  ( no offence to gypsies or travellers at all )



I do think that insurers are now more aware of wfp systems  and are more  willing to insure a vehicle with a water  tank fitted how ever it may be fitted .

And as you say use a broker i would not trust someone in a call centre of a big Insurer as far i could throw them . I have dealt with Dan at A Plan for over 2 years now and would not deal with another company at all . Mike

[dannymack]

M&M I love them pick up trucks but would the system freeze up or have you got a roof 👳👳👳

[EandM]

Stuart when i first got my Truck in 2011 i got a load of refusals when contacting different insures they point blank refused to insure with a diy fitted tank .

 And some of these companies had been recommend on this forum from lads with vans , When i first spoke to Dan Such at A Plan he even said some insures did not like to insure pick ups whether they thought everyone with a pick up was a Gypsy and was high risk i have no idea .  ( no offence to gypsies or travellers at all )



I do think that insurers are now more aware of wfp systems  and are more  willing to insure a vehicle with a water  tank fitted how ever it may be fitted .

And as you say use a broker i would not trust someone in a call centre of a big Insurer as far i could throw them . I have dealt with Dan at A Plan for over 2 years now and would not deal with another company at all . Mike

I had similar problems in 2011 with the whole modification / payload / pick up argument and some incredibly dim witted insurance people working from a script and having no capacity for logical reasoning.
However in 2012 I had no problems at all. Many of the pick up / diy installation issues had simply evaporated and both Adrian Flux and even some of the mainstream companies were able to provide a sensible quote with sensible conversation - Flux price even went down by £80 !

[Soupy]

I dont understand how the refusal would arise?

Why/what do you tell them?

[EandM]

I dont understand how the refusal would arise?

Why/what do you tell them?

In 2011, of the half dozen or so companies I spoke to, all had an issue with a tank in the back of a pick up. They argued that if it was bolted down it was deemed a modification and they would require a report + £££ to accept it - if it wasn't bolted down then it was deemed an unsecured load and they wouldn't cover it at all. I tried asking what the difference was between a tank and a wheelbarrow as neither would necessarily be secured but I was told that a wheelbarrow was 'payload' as it was removable - I argued that a tank was as well but it was like trying to reason with the dead.
Most companies threw up similar arguments that were not only unsound but would probably have set the light haulage business back about a century - " If it's not in the script, you're not coming in ! ".  Eventually I tried Adrian Flux who, like A-Plan & Gladiator, employ intelligent people not R2-D2 and I then had insurance with no issues attached at sensible money.

[Mitchellmoxo]

try Aviva,not on comparison web-site,you could be surpised I was

I use Aviva business. Just called to add my employee onto the policy and it was free!

[Mike #1]

M&M I love them pick up trucks but would the system freeze up or have you got a roof 👳👳👳

I have a fullbox sports tonneau cover if you take a look at my website their is an old pic of truck my truck is garaged overnight  . Mike

[Frankybadboy]

I dont understand how the refusal would arise?

Why/what do you tell them?

In 2011, of the half dozen or so companies I spoke to, all had an issue with a tank in the back of a pick up. They argued that if it was bolted down it was deemed a modification and they would require a report + £££ to accept it - if it wasn't bolted down then it was deemed an unsecured load and they wouldn't cover it at all. I tried asking what the difference was between a tank and a wheelbarrow as neither would necessarily be secured but I was told that a wheelbarrow was 'payload' as it was removable - I argued that a tank was as well but it was like trying to reason with the dead.
Most companies threw up similar arguments that were not only unsound but would probably have set the light haulage business back about a century - " If it's not in the script, you're not coming in ! ".  Eventually I tried Adrian Flux who, like A-Plan & Gladiator, employ intelligent people not R2-D2 and I then had insurance with no issues attached at sensible money.

that was 2011 think the insurance company have got a bit more use to dealing with wfp system now

[EandM]

I dont understand how the refusal would arise?

Why/what do you tell them?

In 2011, of the half dozen or so companies I spoke to, all had an issue with a tank in the back of a pick up. They argued that if it was bolted down it was deemed a modification and they would require a report + £££ to accept it - if it wasn't bolted down then it was deemed an unsecured load and they wouldn't cover it at all. I tried asking what the difference was between a tank and a wheelbarrow as neither would necessarily be secured but I was told that a wheelbarrow was 'payload' as it was removable - I argued that a tank was as well but it was like trying to reason with the dead.
Most companies threw up similar arguments that were not only unsound but would probably have set the light haulage business back about a century - " If it's not in the script, you're not coming in ! ".  Eventually I tried Adrian Flux who, like A-Plan & Gladiator, employ intelligent people not R2-D2 and I then had insurance with no issues attached at sensible money.

that was 2011 think the insurance company have got a bit more use to dealing with wfp system now

Probably yes. Funny things was I'd insured my P100 pick up for five years previously with a tank in the back with very little in the way of issues. Perhaps 2011 was the purge on the pick up ?

[Soupy]

Why'd you even mention it? If you are within you gvw you can carry what you like. Aviva came out to see my truck - in 2013 - written off with a diy tank in the back, paid out without question.

[Mike #1]

The reason i mentioned it is i did not want to fall foul of an insurance company if my truck was ever in a accident and worst case was write off and they turned round and refused to pay out .

I could be with out a truck and out of pocket by thousands of £££££££££££££££ . Mike

[Soupy]

It never even crossed my mind to discuss what we carry with the insurance company.

All insurance companies are bandits but I think they would struggle justifying refusal of payout because you were carrying a tank of water.

[Mike #1]

As you said Stuart they are bandits and slimy slippery buggers better to be safe than sorry  . Mike

[Aqua Power Solutions]

Hi Stuart, insurance companies deem a water tank as a modification regardless if it is strapped in or bolted on the vehicle. I certainly would not risk writing off 20 k  because I didn't declare the system in the policy, is it worth the gamble ? Ed

[Soupy]

I claimed this year. It is not a modification. No mention of it by the underwriter from Aviva anyway.

[Aqua Power Solutions]

Stuart, just renewed mine in Dec, all companies I spoke to deemed as a mod. Glad you got paid out by yours but as you know insurance companies will/can dispute if there is cause to ,Ed

[Soupy]

I don't understand why a water tank is a modification. If a builder carries a barrel of water does he need to phone his insurance company and tell them he has modified his van?

[kempy]

It is absolutely Scandulous we get charged about a extra £150 for declaring my bolted in system that is fully safe .

Roofers , builders , plumbers etc  overload their vans and have everything all over the place .

Insurance is just a NEGATIVE in our Trade .

My transit T300 will be about £500 next August .

[Mike #1]

The reason it is a mod is that whether it is bolted or strapped it is in the back of your Truck or Van on a  permanent basis .

Were as builders etc constantly having various loads of all shapes , sizes and weights which are loaded and unloaded at various times , As with us windys we are and have to state that we are carrying on average 500kg on a work day .

Which the insurers consider a higher risk , They should look into builders etc as Kempy said i have seen quite a few with tipper transits with stuff just chucked in the back not secured and overweight . Mike

[Soupy]

Still not a modification though is it?

[Mike #1]

Anything that is not a standard factory fit is classed as a modification  . Mike

[Soupy]

The whole point of vans and trucks is that they are designed to carry certain payload straight out of the factory. Putting a tank full of water in there is not a modification.

[tlwcs]

Anything that is not a standard factory fit is classed as a modification  . Mike
[/quote

Even a roof rack is a mod to insurance thieves, sorry companies

[Soupy]

Sounds to me like the sales person is screwing more money out of you than you need to pay.

This is what an loss adjuster came to look at in July this year:



The word 'modification' was never uttered.

[Aqua Power Solutions]

Us windies , pay more because they have declared a water tank fitted to the vehicle. We are all with different insurance companies, some insurance companies will not insure your vehicle because of this, as previously  mentioned you alter the spec of the vehicle ie, alloy wheels it is a mod. I will pay my extra fee knowing I have nothing to worry about each day I'm on the road, merry Xmas to you all Ed

[Klean07]

Lets all sign a petition and send it to Watchdog or Dom Littlewood!!

[♠Winp®oClean♠]

I'm with Stuart on this. In 10 years WFP not once has my insurance provider ever asked what I carry or how AND I'm a declared window cleaner!!

My neighbour wrote off his Berlingo this summer- strapped in DIY system. Loss adjuster came out to view, nothing was even questioned & he got paid out in full.

I'll never understand why anyone wants to pay £100 for something that's marked up @ £50!!

[DaveG]

Hi Soupy,

I'm with you on this too. Don't get me wrong, I like the way you customise your Landys for work, but surely they class it as a modification, judging by the one in that pic?

[Soupy]

Nope. Perhaps they treat me differently due to the amount of vehicles and drivers I insure. All I give them is reg numbers and names.

[DaveG]

Cheers Stu,

Was just wondering.. My insurance have never asked me either!