Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Ian101 on January 04, 2015, 01:57:55 pm
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Currently with Aplan which expires end of Jan ... just renewing house insurance thru go compare as missus wanted the safari baby Oleg ;D ... thought I would put van thru to see what premium would be .. no way to show tank in back of van as a modification so just put thru quote with no modifications as self employed window cleaner - more for curiosity than anything else
WOW £140 all in fully comp compared to aplan for last 12 months which was £340+
so ...... question is in your opinion ..... if your a trader then a bucket of water and a few drums would be no modification im sure so if a tank of water ratchet strapped down is in my mind just a big bucket of water surely no modifications ?? ... welded in tank then yes a modification
your thoughts and what do you do when it comes to insurance ?
p.s. my tank is now caged in
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Mines with aviva (i highly recommend)
Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)
Everythings on my paperwork etc, so at least i know i'm covered with no come back
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Mines with aviva (i highly recommend)
Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)
Everythings on my paperwork etc, so at least i know i'm covered with no come back
yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly a new slx :)
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Mines with aviva (i highly recommend)
Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)
Everythings on my paperwork etc, so at least i know i'm covered with no come back
yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly a new slx :)
Agree mate, thats a decent quote you've got!
If your is rachet strapped in, i wouldn't bother ringing up and 'making sure' of anything, its not a mod (imo)
Try aviva with an online quote though bud (they're not on comparison sites)
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Mines with aviva (i highly recommend)
Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)
Everythings on my paperwork etc, so at least i know i'm covered with no come back
yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly a new slx :)
Agree mate, thats a decent quote you've got!
If your is rachet strapped in, i wouldn't bother ringing up and 'making sure' of anything, its not a mod (imo)
Try aviva with an online quote though bud (they're not on comparison sites)
Dial direct inc breakdown and legal protection ... old git now 46 with 8yrs no claims so age helps ... inc sp30 as well ;D
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It's a simple question- "Is your van modified or not"?
My opinion-
If your tank is held in place via ratchet straps to the manufacturers lashing points then NO.
If you have plates/brackets fixed through the floor, either welded or bolted then YES.
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WOW £140 all in fully comp compared to aplan for last 12 months which was £340+
Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! ???
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I hate insurance with reference this water tank .
Mine is professionally fitted and 100% safe
Others are ratchet strap , loose containers etc . I know which one I think is safer .
A builder can throw anything in his van loose and heavy .
Amazing
The insurers just FLEECE us for having a water tank .
My quotes are usually from £450 to £600
For 650 litres
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For the last 3 years I have been with Hastings
Year one I told them I had a tank fitted in a frame bolted in the back.
Year two they sent me a renewal stating that the price quoted was not valid if I had a tank fitted, rang them and they told me "no problem", insurance renewed.
Just after xmas, got renewal through for third years cover, again it stated price was not valid if I had a tank fitted, rang them and they said "no problem".
Asked them to confirm it in writing this time, just to be sure.
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To me and you, a strapped in tank logically not a modification, however the tank sits in there day in day out, unlike cargo, it can be argued that if you've screwed a bracket to the roof or floor the van has been modified, what do the insurance company accept, ??
You will only know this by providing a list of what's in the van and how it's secured then your covered - don't chance it as these barstewards will screw you over if they see the smallest of get out clauses.
You may save £200 now, but lose £1000's down the line
Darran
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Yep .
If you have a crash and it's a Fatel accident and your not primarily at fault . I'm sure the insurance investigators from both sides would have a field day and the Traffic accident Police investigators .
Even in just a normal crash , you could end up void .
The tank is a extra £150 on average I think to a premium .
It is a farce
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To me and you, a strapped in tank logically not a modification, however the tank sits in there day in day out, unlike cargo, it can be argued that if you've screwed a bracket to the roof or floor the van has been modified, what do the insurance company accept, ??
You will only know this by providing a list of what's in the van and how it's secured then your covered - don't chance it as these barstewards will screw you over if they see the smallest of get out clauses.
You may save £200 now, but lose £1000's down the line
Darran
It can't be argued, you've either modified your van to fit the water tank or you have not. It's as simple as yay or nay.
If you have provided the correct information to your insurer & comply with their "assumptions" (small print) then you are fully covered & it cannot be argued. If you think this can be argued then on what grounds do you allure to?
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That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.
On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.
We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out
Darran
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That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.
On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.
We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out
Darran
Maybe i've missed something, but from what i've read, everyone who has posted something so far on this thread has said they've told there insurance company regarding their tank and frame...?
(Except the op!! ;D)
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That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.
On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.
We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out
Darran
Unless all the gear in the back of your van is also insured there's no reason to list it. Providing you have not modified your van other than what is listed in the "assumptions" (like ply lining) then that's it. You don't have to tell them about a tank that doesn't require the van to be modified for you to carry it, full stop.
For the record- I have not modified my van other than what's listed in the policy "assumptions" and none of my gear is covered either. However, I'm DI only so could replace my system for £500. I have no problems whatsoever insuring my van fully comp, including legal protection, protected no claims & a reduced voluntary excess for under £200. Strip those extras off & the bare policy is only approx £140.
So it still really boils down to yay or nay. As annoying as it might be, if it's a yay then you have to live with it.
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WOW £140 all in fully comp compared to aplan for last 12 months which was £340+
Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! ???
not for me as declined that cover
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WOW £140 all in fully comp compared to aplan for last 12 months which was £340+
Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! ???
not for me as declined that cover
You should be covered for the wfp vehicle if you have a non-fault accident with A-plan.
You also can take out an optional extra cover for if you have an accident that is your fault so that you are fully covered.
I opted for the extra cover as it's peace of mind and means that if my vehicle is off the road due to an accident I can still work without interference.
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Maybe i've missed something, but from what i've read, everyone who has posted something so far on this thread has said they've told there insurance company regarding their tank and frame...?
(Except the op!! ;D)
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I have it in writing from Aplan that tank is in there :)
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wait for all the bull crappers start saying the rachit slaps are not safe
there full of it ;D try telling eddie stobart there not safe but what does he know eh
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wait for all the bull crappers start saying the rachit slaps are not safe
there full of it ;D try telling eddie stobart there not safe but what does he know eh
can you tell me what eddie uses rachet straps for please ;)
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I have just bought a second Van and this time, and not just for the insurance issue. Im not bolting a tank in it.
Im going to build a tank / pumps / battery onto a pallet that can easily be removed from the side loading door. It will be strapped in using only Manufacturers fixing points.
the controls units will be wired onto the Loadbay lining and multi plugs will connect the pallet to the wiring..
In this configuration there is no way it can be classed as permanent therefore it cannot be a Modification.
as for safety. A steel bulkhead, and strops attached to every available tiedown point is safer than it floating loose like a builders barrow..
the safety becomes an issue when rubbish old straps or lightweight straps are used..
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WOW £140 all in fully comp compared to aplan for last 12 months which was £340+
Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! ???
With A plan it is £82 less vat for a fitted out van same priced as any other selected courtesy vehicle . Best thing really is to phone around as things have changed considerably over the years .
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I have just bought a second Van and this time, and not just for the insurance issue. Im not bolting a tank in it.
Im going to build a tank / pumps / battery onto a pallet that can easily be removed from the side loading door. It will be strapped in using only Manufacturers fixing points.
the controls units will be wired onto the Loadbay lining and multi plugs will connect the pallet to the wiring..
In this configuration there is no way it can be classed as permanent therefore it cannot be a Modification.
as for safety. A steel bulkhead, and strops attached to every available tiedown point is safer than it floating loose like a builders barrow..
the safety becomes an issue when rubbish old straps or lightweight straps are used..
This is the way to go.
They are all robbing so so's. They could say none Ford windscreen wipers are a mod. Its endless. Unless you lower suspension etc it shouldn't matter
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With A-Plan at the moment, Renewal price £1400 on a 60 plate partner, tank bolted down. I'm 25. Years no claims and no crashes or convictions on my record.
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I hate insurance with reference this water tank .
Mine is professionally fitted and 100% safe
Others are ratchet strap , loose containers etc . I know which one I think is safer .
A builder can throw anything in his van loose and heavy .
Amazing
The insurers just FLEECE us for having a water tank .
My quotes are usually from £450 to £600
For 650 litres
Try morethan bud.
Online, the drop down menu has water tank listed.
It was literally not a penny more for me to declare it.
They don't cover gas though, if you've a boiler too.
A-Plan (albeit with the L5) wanted £700 odd. Morethan (who I went with) just under £400
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Mention 'Water Tank' to some companies and they instantly conclude that you are the Devil Incarnate, refuse to provide any cover and run a mile -
Mention it to other companies and they exercise common sense, listen to the details of your set up and all is well.
The trick is sorting out which companies are which and making sure you declare and insure with the right one so that you don't find yourself in a hole with no insurance.
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wait for all the bull crappers start saying the rachit slaps are not safe
there full of it ;D try telling eddie stobart there not safe but what does he know eh
can you tell me what eddie uses rachet straps for please ;)
Must have strapped him into his box I suppose. ???
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wait for all the bull crappers start saying the rachit slaps are not safe
there full of it ;D try telling eddie stobart there not safe but what does he know eh
Eddie stobart ratchet straps are attached to to high rated tie down hooks welded to the lorry chassis .....not thin 250kg rated hooks welded to thin sheet metal .
No way I woujd trust those tie down points in an accident .
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I have just had a new system fitted in a new van and notified insurance today.
The price did not change.