Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Pittmonkey on April 05, 2011, 11:12:12 am
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OK I just received my renewal and they have stuck another £250 on last years policy.
Currently with Motor Direct. Any recommendations for a good deal.
Wayne
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lol had exactly the same thing with the same company, bet its equatity redstar
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had mine through yesterday, and it had gone up about £80 from last year >:(
need to do some shopping around i think.
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go compare
mine is only £40 higher
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go compare
mine is only £40 higher
[/quote
You wfp glen
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yes mate
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Try the NFU. Best company I have ever dealt with.
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go compare
mine is only £40 higher
[/quote
You wfp glen
Do they cover you for having a tank as a lot of companys I spoke to bumped the price up or wouldnt insure due to this..
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Spent All day so far searching for quotes.. Still at it now.
Seems to be a big problem with 600 ltr tank in the back.
Looking at the prices I've been quoted looks like I'll have to pay up :(
(or should I say my custys will have to pay up price rise coming up me thinks)
Not with EQ Red Star with Highway. Broker told me all Eq Red Star policy have shot up.
Need to careful with comparison sites and online direct sites E.G Churchill Direct Line. They dont allow you to input all the data needed to be fully covered.
I rang churchill today questioning the price and policy they served up on the www site. after 3 calls to confirm the price quoted online was correct it transpired they where unable to quote me.. Why?
Get ready for this!
Because one day I may do 5 windows and another day i may do 15. And on the day I was cleaning 15 I would be rushing around to earn more money and therefor would be a high risk so they wouldn't insure. OMFG I've heard it all.
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Just to note!
The info I gave on the first two calls to Churchill, twice they said everything was fine. But I wasn't convinced they were understanding the cover I required. ( young 20 year old girls with their minds on what they are going to wear tonight at the pub springs to mind)
3rd cal I got the lovely answer above ::)
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How's your tank fitted?
Do you want contents cover?
Have you tried DirectLine?
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Direct Line and Churchill are the same group RBS
Van contents I have covered with my PL
Car and Home are insured with Churchill and they came back with a great price but as above you really need to check and double check they have the right info. At first they were just questioning the value of the tank and this is what led me to think they have the wrong end of the stick.
Check and double check if your with Direct Line with a tank in the Van
any luck then let me know :)
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Hi
Alexandra swan
Best policy to date
Bryan
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Direct Line and Churchill are the same group RBS
Van contents I have covered with my PL
Car and Home are insured with Churchill and they came back with a great price but as above you really need to check and double check they have the right info. At first they were just questioning the value of the tank and this is what led me to think they have the wrong end of the stick.
Check and double check if your with Direct Line with a tank in the Van
any luck then let me know :)
My policy is fine. My van has not been modified, the tank is strapped in with the factory load anchors. This is why I asked you how your tank is fixed?
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go compare
mine is only £40 higher
[/quote
You wfp glen
Do they cover you for having a tank as a lot of companys I spoke to bumped the price up or wouldnt insure due to this..
yes they know they me told some companies are fine with it they made a phone call
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We used Gladiator this year, best price by far using the usual comparison sites, and a quick chat on the phone to make sure all contents was covered and got the price down a bit with bartering.
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It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.
When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.
Always worth a try and will give direct line a call tomorrow.
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A plan best for me still, even though jumped to 600 from 450. this yr inc system. Just insured a VW T5 camper for 250! getting ripped off springs to mind :'(
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£250 ???
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It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.
When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.
Always worth a try and will give direct line a call tomorrow.
Well don't mention it then. You're just handing them a reason to bump the price. You're carrying a load using the manufacturers anchor points & you are carrying weight below the manufacturers stated payload. Your load is not explosive, corrosive or a health hazard. THEY DON'T NEED TO KNOW! You're a tradesman carrying a load to carry out your work.
I bet when builders ring up they don't stand there telling them what they are carrying around in the back every day! Or joiners, or plumbers, or landscape gardeners etc etc.
Taking the above into consideration (you're doing nowt wrong or untoward) what would their defence be in the event they refuse to pay out after an accident- "we're not paying 'cos you were carrying something heavy"!! ;D ;D
You'd be fully insured now & for a lot less money if you weren't influenced by over cautious twerps on here!! ;D
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Sorry winpro but I can't go along with that kind of blasé approach when it comes to Motor Insurance or anything to do with insurance re: business ie PL EL etc. In this present climate of claims and blame you really can't afford to take the risk or indeed put your family and home at risk.
The bottom line is I know premiums rise each year but a rise of £250 in my opinion is taking the P.
I'm prepared to pay the extra £100 or so to get the cover required.
You say don't mention it but it is your responsibility to ensure all the info you give to the insurers is factual.
All the people I've spoke to today when you mention window cleaning they ask if you have a tank if so what size.
Give the Insurers half the chance on not paying out and they will. Especially in this climate.
I know where you are coming from RE: anchor points etc and it's feckin annoying that a tank is different from a pallet of bricks.
Not having a go at you mate just think we are having a different view on things.
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try stephen ayre at G.T.Insurance, he is very helpful, his number is 0115 9394747, we have started going to him now as helpful and competetive, all our vans are with steve.
george
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Sorry winpro but I can't go along with that kind of blasé approach when it comes to Motor Insurance or anything to do with insurance re: business ie PL EL etc. In this present climate of claims and blame you really can't afford to take the risk or indeed put your family and home at risk.
The bottom line is I know premiums rise each year but a rise of £250 in my opinion is taking the P.
I'm prepared to pay the extra £100 or so to get the cover required.
You say don't mention it but it is your responsibility to ensure all the info you give to the insurers is factual.
All the people I've spoke to today when you mention window cleaning they ask if you have a tank if so what size.
Give the Insurers half the chance on not paying out and they will. Especially in this climate.I know where you are coming from RE: anchor points etc and it's feckin annoying that a tank is different from a pallet of bricks.
Not having a go at you mate just think we are having a different view on things.
I've been with Direct Line for years, NEVER have they EVER asked me anything about my tank. No where in any questions either online or by phone do they ever mention anything about my tank!
They always ask if the van has any modifications, which it hasn't!
What's blase about that? Just plain facts, no lies, no porkies, no wool over the eyes, Nothing!
Maybe if I ever decide to use cheap, rubbish, budget tyres I should ring them & inform them, just to make sure they don't want to use it as an excuse to hike my premium! ::) ;D
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They know I'm a window cleaner too & the insurance is for both business & personal use!
I also get full UK breakdown & recovery, the full package including roadside, at home, the lot for £67! ;)
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You say a rise of £250? That's what I pay for fully comp, protected no claims & motor legal protection! :o
That's on an '07 fiat doblo cargo.
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try autonet van insurance.mines due next week and vans still in the garage!gonna be a costly few weeks methinks!
all insurance has skyrocketed over the last 6 months or so for some reason!cheapest i can get for commercial insurance is £430-00 fully comp.
last year is was £280-00.just cant seem to get a better deal ive tried a few comparison sites and autonet was the cheapest.
a plan wanted about £580!! >:( >:(
does anyone know why its gone up so much?? ???
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wimpoclean - it is a modification and you do need to let them know,
cheers george
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wimpoclean - it is a modification and you do need to let them know,
cheers george
What's a modification? Carrying a tank surely can't be a modification, can it? Drilling holes through the chassis would be a mod, obviously, but not a tank full of water strapped in; no more than a bucket of water bungeed to the wheel arch.
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I got myself one weeks worth of insurance when I went to pick up the van, (£26), but how best is it done if you have a car as well?
Do you have to have separate insurances for either vehicle, or can you get them both insured by the same company?
How's it best to do this?
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wimpoclean - it is a modification and you do need to let them know,
cheers george
What exactly is the mod' George?
I secure a plastic tank with proper ratchet straps to the manufacturers anchor points. This is to secure the tank in transit.
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I got myself one weeks worth of insurance when I went to pick up the van, (£26), but how best is it done if you have a car as well?
Do you have to have separate insurances for either vehicle, or can you get them both insured by the same company?
How's it best to do this?
I have van & car both with Direct Line. You get 10% off for this BUT they also give me the cheapest and best cover every year!
Where I live goes in my favour though.
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wimpoclean - it is a modification and you do need to let them know,
cheers george
What's a modification? Carrying a tank surely can't be a modification, can it? Drilling holes through the chassis would be a mod, obviously, but not a tank full of water strapped in; no more than a bucket of water bungeed to the wheel arch.
if its bolted in then classed as modification, if its fitted by ratchet straps etc then thats not a modification, i think thats because if its not bolted in then it can be removed quite easily (ish) so not a mod,
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wimpoclean - it is a modification and you do need to let them know,
cheers george
What's a modification? Carrying a tank surely can't be a modification, can it? Drilling holes through the chassis would be a mod, obviously, but not a tank full of water strapped in; no more than a bucket of water bungeed to the wheel arch.
if its bolted in then classed as modification, if its fitted by ratchet straps etc then thats not a modification, i think thats because if its not bolted in then it can be removed quite easily (ish) so not a mod,
Thanks George. I misunderstood your earlier post; I thought you were saying that winpro's strapped in tank was a modification; so thanks for the clarification.
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wimpoclean - it is a modification and you do need to let them know,
cheers george
What's a modification? Carrying a tank surely can't be a modification, can it? Drilling holes through the chassis would be a mod, obviously, but not a tank full of water strapped in; no more than a bucket of water bungeed to the wheel arch.
if its bolted in then classed as modification, if its fitted by ratchet straps etc then thats not a modification, i think thats because if its not bolted in then it can be removed quite easily (ish) so not a mod,
You should read the posts George! ;D
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I got myself one weeks worth of insurance when I went to pick up the van, (£26), but how best is it done if you have a car as well?
Do you have to have separate insurances for either vehicle, or can you get them both insured by the same company?
How's it best to do this?
I have van & car both with Direct Line. You get 10% off for this BUT they also give me the cheapest and best cover every year!
Where I live goes in my favour though.
I'll get a quote off them in this week. My insurance runs out on Sunday. Thanks.
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ive read the posts better now ;D, happy to be proved wrong ;D
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ive read the posts better now ;D, happy to be proved wrong ;D
;D ;D ;D
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Posted by: ♠Winp®oClean♠ Posted on: Today at 09:21:06 pm
They know I'm a window cleaner too & the insurance is for both business & personal use!
They may just think you a trad windy with a set of ladders and a bucket.
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Posted by: ♠Winp®oClean♠ Posted on: Today at 09:21:06 pm
They know I'm a window cleaner too & the insurance is for both business & personal use!
They may just think you a trad windy with a set of ladders and a bucket.
Pay the premium then dude & stop moaning! ;D
I'll tell 'em I'm a convicted armed robber too when I renew. I'm not of course, but just incase I ever did decide to rob a bank in the future- best be safe than sorry! ;D ;D ;D
They never asked, nor do I get the option to declare whether I'm trad or WFP. However, if I'm feeling a bit flush I might just declare that I speed now & then, that'd be good! ;)
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I've had a weeks worth of temporary insurance I got from the interweb to pick my van up, so this afternoon I've been phoning around, and using the internet to get some insurance.
I was declined by two companies (Direct Line being one of them) because I have 6 points both picked up in close proximity, and maybe because I was involved in an accident (someone ran into the back of me; I wasn't to blame and no claim was made on my insurance).
The cheapest I could find was about £550 from the interweb, but another company who asked me about water tanks gave me a quote for £600, so I went with them.
Tools aren't insured; that would've been another £150 or so, so I declined. I plan to lock my poles up securely and my van is parked off-road, behind a gate (or it will be when I get the gate sorted); so I'm not too bothered about that.
I didn't know my no-claim bonus from my car doesn't count (though they said it gets taken into consideration).
I've never ever claimed off any car/vehicle insurance company ever in 23 years of driving.
I dislike dealing with insurance companies! ;D
How much is your annual cover?
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Tosh
I spent days phoning around and the best by far was Aviva. I pay £350. 1.3 Doblo. I wrote to their head office to ask them to confirm the tank in cage was not classed as a mod and they did write back and confirm. The tank and cage are not insured though.
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Tosh you need to make sure you insure you as the proposer and not the company ie; Tosh Window Cleaning. If you insure as a company you cannot take your no claims back to a car it stays with the van/company.
You should be able to take your NC disc from car to Van if insuring as Sole trader.
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tried direct line they wanted over a grand for my old kangoo WITHOUT a tank/vehicle modification.absolutely laughable!! >:( >:( >:(
ended up going with budget commercial van insurance.£420-00 T,P ,F&T.
IVE GOT 7 YEARS NO CLAIMS AS WELL!!! ::) >:( >:( >:(
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It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.
When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.
Always worth a try and will give direct line a call tomorrow.
Well don't mention it then. You're just handing them a reason to bump the price. You're carrying a load using the manufacturers anchor points & you are carrying weight below the manufacturers stated payload. Your load is not explosive, corrosive or a health hazard. THEY DON'T NEED TO KNOW! You're a tradesman carrying a load to carry out your work.
I bet when builders ring up they don't stand there telling them what they are carrying around in the back every day! Or joiners, or plumbers, or landscape gardeners etc etc.
Taking the above into consideration (you're doing nowt wrong or untoward) what would their defence be in the event they refuse to pay out after an accident- "we're not paying 'cos you were carrying something heavy"!! ;D ;D
You'd be fully insured now & for a lot less money if you weren't influenced by over cautious twerps on here!! ;D
im sorry but this is rubbish advise, if you had a seriuos accient like a 5 car pile up on the moterway and a investiagtion time were involved you would find your insurance void.
my mum works for a insurance company and has told me of two incidents were this has happened.
is it fair a window cleaner is treated different for carrying water than a bricie for carrying bricks.....NO but the trruth is they class it hs a mod if not declared you may end up fooked........but then again you m at never have aseriuos accident.......thats the risk you take
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It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.
When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.
Always worth a try and will give direct line a call tomorrow.
Well don't mention it then. You're just handing them a reason to bump the price. You're carrying a load using the manufacturers anchor points & you are carrying weight below the manufacturers stated payload. Your load is not explosive, corrosive or a health hazard. THEY DON'T NEED TO KNOW! You're a tradesman carrying a load to carry out your work.
I bet when builders ring up they don't stand there telling them what they are carrying around in the back every day! Or joiners, or plumbers, or landscape gardeners etc etc.
Taking the above into consideration (you're doing nowt wrong or untoward) what would their defence be in the event they refuse to pay out after an accident- "we're not paying 'cos you were carrying something heavy"!! ;D ;D
You'd be fully insured now & for a lot less money if you weren't influenced by over cautious twerps on here!! ;D
im sorry but this is rubbish advise, if you had a seriuos accient like a 5 car pile up on the moterway and a investiagtion time were involved you would find your insurance void.
my mum works for a insurance company and has told me of two incidents were this has happened.
is it fair a window cleaner is treated different for carrying water than a bricie for carrying bricks.....NO but the trruth is they class it hs a mod if not declared you may end up fooked........but then again you m at never have aseriuos accident.......thats the risk you take
I've followed the manufacturers recommendations Ronnie, have you? Does the manufacturer of your van recommend drilling holes through the floor/chassis or clamping plates around the main chassis members?
Who, apart from Ionics can back up their system fittings with official engineering tests/reports?
You might just find that YOUR insurance be void in the event of a serious accident once an engineers report has been given & the manufacturer has their input also!
Personal safety is our own choice but don't think for one minute that you are absolved of any responsibility whatsoever just because you have a caged tank! Have you compromised the manufacturers designed structure by your actions?
Food for thought. ;)
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A bit more food for thought-
Why is it that many insurers won't touch you once you've possibly compromised the structure of the van (modified) ?
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wrong again has i know from experience .........obviously you cant say the same.........does it say in your policy YOU CARRY A WATER TANK THAT IS SECURED EITHER VIA THE CHASSIS OR STRAPED TO THE FLLOR EYE BOLTS?
MINE DOES ;)
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Tosh you need to make sure you insure you as the proposer and not the company ie; Tosh Window Cleaning. If you insure as a company you cannot take your no claims back to a car it stays with the van/company.
You should be able to take your NC disc from car to Van if insuring as Sole trader.
I did insure myself as the proposer, but didn't know what (if any) the difference would be.
Thanks for the info.
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wrong again has i know from experience .........obviously you cant say the same.........does it say in your policy YOU CARRY A WATER TANK THAT IS SECURED EITHER VIA THE CHASSIS OR STRAPED TO THE FLLOR EYE BOLTS?
MINE DOES ;)
Does your car policy state what you carry in the boot?
My insurance policy doesn't state anything about what I carry, it doesn't need to & I don't get the option to either. I gave all the requested information to my insurance company. My tank is not a fixed item. When it is, it is secured using the manufacturers load anchor points & ratchet straps which are rated beyond the requirement!
Do you have an engineers report for your system Ronnie?
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business insuarance and personal are different and youy will they adk do you use vehicle for pleasure business or both.
you van should be under COMMERCIAL POLICY, and trust me when i say if u had a accident you would not be covered.
i dont need one i have a paragraph clearly stating my MODIFICATION and i have been paid on a insurnce claime
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business insuarance and personal are different and youy will they adk do you use vehicle for pleasure business or both.
you van should be under COMMERCIAL POLICY, and trust me when i say if u had a accident you would not be covered.
i dont need one i have a paragraph clearly stating my MODIFICATION and i have been paid on a insurnce claime
Direct Line Van Insurance (there's the clue Ronnie)
My policy is fine Ronnie, no problem with it at all. I most definately would be payed out on a claim. ;)
I'm not disputing that your MOD' is noted on your policy- That doesn't make it safe nor does it protect you in a "serious" (third party fatality) incident.
WHO HAS PASSED YOUR MOD AS BEING SAFE & TO WHAT OR WHO'S STANDARD/CRITERIA?
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have you made a claim??
i have that gives away a big clue...can you digest that?
i doubt from experinece your claim would be paid.......why......i know that direct line wouldnt pay you has they havent with several others :)
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have you made a claim??
i have that gives away a big clue...can you digest that?
i doubt from experinece your claim would be paid.......why......i know that direct line wouldnt pay you has they havent with several others :)
I give up, I can't argue with pork Ronnie! ::) Never heard such bollox! ;D
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It's only a matter of time before ALL insurance company's ask the following question. ( many already do )
Q What trade are you ?
A Window Cleaner
Q.Do you carry a water tank?
A Yes
Q What size tank do you carry? (allowing upto 60% of the vans payload )
A 500ltr (1k payload )
Q Do you have a QUALIFIED ENGINEERS report on the fixing of the tank? (Evidence will be required)
A Yes
Ok we would love to RIP sorry insure you.
Like I said earlier in the thread 3 years ago I never got ask any of the above apart from what trade.
Here's something to think about.. When proceeding with an online quote they take it that you have read their assumptions. In them they state, if you knowingly withhold information to obtain a cheaper premium your policy will be void etc etc etc....
At the moment this is a bit of a grey area as you could always play the "I never new I had to tell you about the tank" card, because there isn't any law or enforcement.
But I would guess 1 or 2 years from now it will be Law or some legislation to enforce water tanks in vans to be fitted by Qualified Engineers.
So it's a question of make the most of it while you can. or even take the risk while you can.
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dont bel;ive me i dont care YOU run the risk not me.
but i bet you would argue that steak is pork....your that type of guy ;)