Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Daniel12 on September 25, 2011, 11:31:01 am
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hi as window cleaners with regards to insurance do you know where we stand with diy systems or systems without crash tested certification.
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I got refused insurance from Aviva because they had to pay out a heavy claim for someone in Birmingham who had an accident and his tank came free causing injury to the driver even though he wasn't at fault.
Slippery slope.
If this happens again insurance will surely get harder to get for us guys and extra certification will be a must, I thinks anyways.
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is there any other company apart from ionics or pure 2o that make crash tested systems
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Brodex
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The important thing is to be honest and tell the insurance company when you apply. There is a limit to how far they can go with this, if you think it through any van carrying an unsecured load (and that's every delivery vehicle along with most tradespeople's vans) would be targetted. Commercial vehicle insurers would soon run out of customers if they kept demanding all loads/cargo/tools etc had to be secured with crash-tested fixings.
We always declare what we have in the vans, and make it clear that although the tank is secured by high tensile bolts attached around the chassis, it is still held in with 10 ton ratchet straps, and is therefore 'cargo' rather than a modification as it can be removed like any other cargo.
The only reaction we have had is that the insurance company refused to insure the tank!!