Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: bobplum on May 27, 2014, 07:31:35 pm
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just had my renewal from APlan, £490.00 for vw caddy, 4 years protected no claims, clean licence, 52 years of age (thou i look younger) which i thought was a tad high
so did a quick look tonight £407 with Zenith
Any pointers
bob
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Although Bruce states they are not covered i am on the phone right now with aviva insuring my next van and they have stated water tanks ARE COVERED!!!!!
AVIVA For the win!
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will google them now ;D
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done it...........forget it ;D
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done it...........forget it ;D
why? Too expensive?
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Im with Aplan, tell them you had a cheaper quote elsewhere and they should beat it, they did with me anyway and they was already the cheapest ;D
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
Do you use a ranger for wfp ?
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hi i use commericial vehicle direct
good company good price
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
Do you use a ranger for wfp ?
I do. Very successfully too.
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What size of tank of you have mate? Do you have any pics handy at all?
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Aviva for both van ;)
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A Plan - replacement van in event of crash with 600ltr system installed
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What size of tank of you have mate? Do you have any pics handy at all?
I have a 400 litre flat baffled tank just sat in the back, 1 pole, homemade pump box, hose reel and battery.
Ranger is a mk2 Supercab with a near six foot load bed and 1,200 kg capacity.
I'll see if I can dig out some photos.
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Cheers. My next vehicle will likely be a ranger wildtrak and it's not often I come across a wfp cleaner that uses one for work.
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Cheers. My next vehicle will likely be a ranger wildtrak and it's not often I come across a wfp cleaner that uses one for work.
(http://i1104.photobucket.com/albums/h331/nm2018157/Capri%20Power/ranger100.jpg) (http://s1104.photobucket.com/user/nm2018157/media/Capri%20Power/ranger100.jpg.html)
Don't think the 'installation' is going to win any awards for neatness but it works well.
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Cheers for that. You could even have a roller type door over your system and still be able to use it to transport stuff like it was a trailer. Is your reel fixed to floor ?
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Cheers for that. You could even have a roller type door over your system and still be able to use it to transport stuff like it was a trailer. Is your reel fixed to floor ?
No it's removable. A roller top is great or a mountain top, if it's on struts.
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done it...........forget it ;D
why? Too expensive?
£580
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done it...........forget it ;D
why? Too expensive?
£580
Wow i am 31 full ncb vaux combo 1.3 cdti all mods declared fully comp, protected ncb yadda yadda £310
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Cheers. My next vehicle will likely be a ranger wildtrak and it's not often I come across a wfp cleaner that uses one for work.
(http://i1104.photobucket.com/albums/h331/nm2018157/Capri%20Power/ranger100.jpg) (http://s1104.photobucket.com/user/nm2018157/media/Capri%20Power/ranger100.jpg.html)
Don't think the 'installation' is going to win any awards for neatness but it works well.
I like this a lot ;)
I am wanting complete versatility in my next work vehicle, currently have an old shape peugeot expert with 3 seats, been looking for king cabs as seem a bit shorter than double cabs and street parking in my road tends to be "car sized spaces".
Sorry to deviate from the original topic !
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A pain in the butt to stop everything from freezing up on a cold Winter night I would think!
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
just been on to Adrian Flux, £338 cheapest so far, big difference from A Plan at £490, thou give them there due, they got it down to £420.00 this morning, but still a drop to £338.00
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious ;)
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Aviva have covered carpet cleaning van and window cleaning van, plus added cover for 3k Truckmount and 4k grippatank in new connect van
Mr B
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious ;)
Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious ;)
Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.
Check your small print bud, I'd be very surprised if you're actually covered for off road use.
(Not that I'm bothered, just for your peace if mind...)
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Use go compare, compare the meerkat etc.......
Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.
Makes for a cheaper policy with less hassle.
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Use go compare, compare the meerkat etc.......
Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.
Makes for a cheaper policy with less hassle.
Would also make the policy VOID
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious ;)
Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.
Check your small print bud, I'd be very surprised if you're actually covered for off road use.
(Not that I'm bothered, just for your peace if mind...)
'Tis a good point. I have, at length. It's all down to the definition of off road. My water supply is in a field which I have to drive across.
The Gladiator argument, in a nutshell, is that you can drive off road provided it's on a pre-existing track. So how do I get to my water as there isn't a track ? Same goes for cleaning solar installations, some farm buildings, barns etc. Then it comes down to an un-surfaced, established right of way. Well I can make one by driving to the supply because once that's been done twice it's a right of way - except I can't because it would void the insurance - and this could create problems for the field owner - despite the fact that it's me - do we see the problem here...
You're quite right in that no standard insurance will cover you for off-roading as I can't see any policy paying out after you've fallen off Ben Nevis and rolled 97 times. What's needed is a bit of intelligence and discretion - which Flux seem to do rather well.
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My father rang aviva. Renewal is £323...... aviva first quote is £205 with all mods declared FC!
Bob where do you live?
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Use go compare, compare the meerkat etc.......
Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.
Makes for a cheaper policy with less hassle.
Yep. Makes for a very cheap piece of paper that works brilliantly until such time as you're involved in some altercation - at which point the very kind insurance company will refund your entire premium with the comforting words, ' You're on your own Matey '
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Use go compare, compare the meerkat etc.......
Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.
Makes for a cheaper policy with less hassle.
Would also make the policy VOID
Do not take this advice on board people, please! One thing you never ever do is withhold information or fiddle with the facts on an insurance policy! Come the day when you need to claim, will be the day when the insurance company will go through your policy with a fine tooth comb and will find any excuse not to pay out! Always be truthful on insurance forms, otherwise it'll bite you on the ass!
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Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.
just been on to Adrian Flux, £338 cheapest so far, big difference from A Plan at £490, thou give them there due, they got it down to £420.00 this morning, but still a drop to £338.00
Definitely a cheaper price Bob but........if you are hit by another vehicle you will only get a bog standard van as a replacement vehicle while yours is being repaired.
With A-Plan you will get a van with system fitted so ready to go to work the next day.
This is what swung it with A-Plan for me and I also opted for the extra replacement wfp vehicle cover so that If I have an accident which is my fault I will still get the replacement wfp van.
I was previously with Adrian Flux who admitted that they couldn't compete with A-Plan on the level of cover they provide.
It's not always about the cheapest price but the best cover.
I am secure in the knowledge that I will still be able to work if my vehicle is off the road.
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A pain in the butt to stop everything from freezing up on a cold Winter night I would think!
The tank rarely freezes, everything else can be brought in fairly easily.
I have been caught out though ;D
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Why why why why why why are you all obsessed with telling insurance companies about your tanks?
Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.
I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.
By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.
Any one not been paid out because they were carrying a tank of water?
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Why why why why why why are you all obsessed with telling insurance companies about your tanks?
Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.
I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.
By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.
Any one not been paid out because they were carrying a tank of water?
Because of the half dozen or so companies I've asked for quotes ALL of them tell me that a modification is ANYTHING that the van / truck didn't have when it left the factory. Remember too that Insurance Companies are like Drug Dealers only less trustworthy. Some modifications aren't an issue - upgraded ICE, alloys if they are original optional spec for that model, leather trim, racking etc but it's still a mod and you risk no insurance if you don't tell them and / or financial ruin. Unless you lie to them about your occupation they usually ask Do you carry water ? If so, how much and how do you store it ? Difficult to get 'round that one...
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a pallet of bricks / a tank of water,
I doubt a pallet of bricks could be regarded as a modification
both should be secured in some way in transit for safety, is there a difference ?
amounts to the same situation if you have an accident whilst transporting either :-\
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a pallet of bricks / a tank of water,
I doubt a pallet of bricks could be regarded as a modification
both should be secured in some way in transit for safety, is there a difference ?
amounts to the same situation if you have an accident whilst transporting either :-\
...Is the same argument I had, at length, with several insurance companies - not all of them as the others refused to quote once a tank was mentioned. Perhaps they think that the water is going to either explode or ignite on impact... ;D
I tried arguing that an unsecured tank was no different to a wheelbarrow - they argued that a tank was a modification and a wheelbarrow was payload because it could be removed - I argued that the tank could be removed - They went back to their binary script and wouldn't budge.
It is getting easier though - the lowest quote I had this year was £160 fully comp but they refused pointblank to insure the truck with the tank - next was £213 with the tank but the already mentioned issue with off road access use. Flux would insure it with no issue other than a conversation about what and wherefore which is why I stayed for another year - additionally we use Flux in the Capri Club for specialist policies and we know from experience that they're very good at thinking outside the rigid structure of the more mainstream companies and delivering a quote based on individual parameters - I suspect A-Plan is similar...
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Why why why why why why are you all obsessed with telling insurance companies about your tanks?
Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.
I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.
By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.
Any one not been paid out because they were carrying a tank of water?
I really would like to know if anyone's insurance hadn't paid out due to a tank.
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Why why why why why why are you all obsessed with telling insurance companies about your tanks?
Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.
I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.
By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.
Any one not been paid out because they were carrying a tank of water?
I really would like to know if anyone's insurance hadn't paid out due to a tank.
So would I.
Though I do find the insurance company telling you in advance that they won't is usually enough...
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Obviously if an insurance company says don't do something or we won't pay out you don't do it.
I have been insuring vans for 15 years, in that time I must have had 100+ insurance quotes. It's never came up.
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Obviously if an insurance company says don't do something or we won't pay out you don't do it.
I have been insuring vans for 15 years, in that time I must have had 100+ insurance quotes. It's never came up.
Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
The issue came up on every quote I discussed which put me on to the brokers about four years ago.
It came up again this year through the broker but it did help in getting to someone who would quote.
In the end I stayed with Flux.
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Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
I can't get quotes through price comparison sites.
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Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
I can't get quotes through price comparison sites.
That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...
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Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
I can't get quotes through price comparison sites.
That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...
Pretty sure I had this conversation last year.
On here.
With you.
http://www.cleanitup.co.uk/smf/index.php?topic=180119.msg1529137#msg1529137
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Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
I can't get quotes through price comparison sites.
That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...
Pretty sure I had this conversation last year.
On here.
With you.
http://www.cleanitup.co.uk/smf/index.php?topic=180119.msg1529137#msg1529137
I thought it sounded familiar !!
Have we reached any conclusions this time ?
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Guess not.
:D
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You also get a fee Meerkat toy from comparethemarket.
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;D
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my quote from A plan is 700.00 7 yrs ncd and a 650 ltr tank.... always thought like ive been skanked better give the flux fella a ring ...anyone furnish us his number?
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Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year
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Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year
and the name of your insurance company is ?? ................................................................................................ ;D
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Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year
Did you have tanks in the back? If so was it even mentioned?
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Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year
and the name of your insurance company is ?? ................................................................................................ ;D
+1 ??
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The crazy thing about insurance is if you have a tank proffesionally fitted, and bolted into the van it is classed as a modification and the price will be more expensive . . . . however if you used a similar size tank, and it was held in the van by a couple of elastic bands then it is not modified, and you will pay a cheaper price ::)roll
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>EandM
Driving across your own field ... why worry about being insured for that? Not illegal to drive on private land with the owner's (your) permission surely?
How do farmers manage with say a landrover?
Am I missing something here?
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Tank was in van and they never asked . only asked what happened and what was the damage .
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>EandM
Driving across your own field ... why worry about being insured for that? Not illegal to drive on private land with the owner's (your) permission surely?
How do farmers manage with say a landrover?
Am I missing something here?
No you're not missing anything and is quite legal.
However, the broker at Gladiator declined insurance when I mentioned that I had to drive across the field to get at the water. So I asked him if the insurance wouldn't cover the off road use but he was very clear in pointing out that ANY off road use would void the policy in it's entirety ?!
Which sounds quite mad ! We eventually settled on using established tracks as per my earlier post but in reality the whole concept is unenforceable and not workable in the real world.
If you insure a Land Rover through NFU, Flux or any of the specialists I expect this is a contingency that they're prepared for - it just doesn't seem to work when you go through a conventional. on-line broker.
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Tank was in van and they never asked.
Of course they never.
It isn't a modification.
It was a van doing vanly stuff in a vanlike manner.
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Tank was in van and they never asked.
Of course they never.
It isn't a modification.
It was a van doing vanly stuff in a vanlike manner.
You really have got me thinking about this Soups.
So-a modification is so if it's bolted through?
How do you think a tank could be secured, safely, without bolting through the floor-therefore becoming a modification?
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Tank was in van and they never asked.
Of course they never.
It isn't a modification.
It was a van doing vanly stuff in a vanlike manner.
You really have got me thinking about this Soups.
So-a modification is so if it's bolted through?
How do you think a tank could be secured, safely, without bolting through the floor-therefore becoming a modification?
It seems to be down to the discretion / attitude of the insurance company.
Some refuse point blank on the grounds that if it's bolted then it's a modification because it didn't have when it left the factory - if it's not bolted than it's unsafe due to the size and weight and they refuse again.
Others take the view that it's part of why you want commercial insurance and it's not a problem.
As long as you tell them and they're happy I don't see a problem.
If you lie to them and they won't pay out then that's your own problem.
Just find an insurer with a bit of non-scripted intelligence and thinking and you'll be fine.
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I have never lied to an insurance company. That would be stupid. I have never been asked, if I were to be asked I'd tell them I carry many things for many reasons. That's what the vehicle is for.
You bolt other stuff in, pole rack, resin bottles, pump, controller, are they modifications? No.
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I have never lied to an insurance company. That would be stupid. I have never been asked, if I were to be asked I'd tell them I carry many things for many reasons. That's what the vehicle is for.
You bolt other stuff in, pole rack, resin bottles, pump, controller, are they modifications? No.
I'd reason it out with exactly the same logic you've used and I'd agree with you completely - common sense dictates that outfitting your work vehicle for work is perfectly reasonable as that's what you've bought it for and are insuring for in the first place.
Sadly, my experience with insurance companies over the last 28 years tells me that logic and common sense are something that most of them are incapable of.
This time I noticed a definite change in the questions from the brokers when I mentioned window cleaning, namely;
Do you carry ladders?
Do you have a water fed system?
Do you have a tank?
How big is the tank?
What is the tank made of?
Is the tank baffled?
Is the tank secured?
Seems like there are now enough WFP systems in circulation for the insurance companies to have caught up and attempt to extract more money from their customers.
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I thought you used a broker? I'd hazard a guess that it's the broker, not the insurance company who are asking you damn fool stupid questions in order to extract more money from you.
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Soups-who do you insure with?
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I am currently with Axa (through Darwin Clayton). I have claimed this year. No problems.
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I thought you used a broker? I'd hazard a guess that it's the broker, not the insurance company who are asking you damn fool stupid questions in order to extract more money from you.
It's entirely possible although all that using the brokers does is draw up a list of companies who will quote and a list of the those who won't. All the broker does is liaise and although they could be embellishing the terms and conditions the final decision is with the company which can be contacted directly. My level of distrust for most organisations borders on the paranoid but on the basis that if you go elsewhere the broker won't get his cut I think it's more down to risk management on behalf of the companies themselves.
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I just went online, comparison site, put for business use and carriage of own goods. doesnt ask if you have a tank only for modifications, payload on my van is 825kg im under it, so im fully legal in my eyes.
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I just went online, comparison site, put for business use and carriage of own goods. doesnt ask if you have a tank only for modifications, payload on my van is 825kg im under it, so im fully legal in my eyes.
It's the follow up from the insurance company afterwards when the say, ' We'd just like to check a few details... '
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I had a broker round to see me this week for our upcoming renewal. I showed him our "modified" vehicle. He really wasn't that interested. It made no difference to our premium.
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Most of you seem to think insurance companies employ reasonable common sense people who will not look to deeply into your next insurance claim and will over-look the things you forgot conveniently to mention! However the reality is they are complete sharks and will look for anything and everything so as not to have to pay out! Trust them at your peril , you might even get lucky!