Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: P @ F on April 16, 2017, 05:48:08 pm
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As above , im getting proper peed off with it at the mo , just had my renewal in £550 with the AA underwritten by Highway .
So i had a search around and its getting hard these days , loads dont touch tanks , if they do they have to be a pro fit and a certain size , i only have a 350 for gods sake !
So i get on Go Compare and get a result , Admiral underwritten by Gladiator £282 but no ability to add water tank , so i ring Admiral to check it out once the quote has a ref number .
The guy says no problem Gladiator are not fussy about tanks its all good sir (alarm bells in my head) , i then ask him if my policy will be printed with the added water tank on it , he then tells me it wont , but they will have it on record their end , now call me a worrier , but do you think this chap is trying to pull a bit of a crafty move ?
I only ask as i have heard that this is common place with Gladiator themselves , you need to claim and it turns out that you are not actually covered as its not printed on the policy .
Anybody with them or shed any light at all
Thanks Rich
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Had the same problem with gladiator quote as they refused to put it in writing. Again just saying it's on there system. So if you do have a problem and need to claim you have no evidence you declared the tank. They then could get away with dennying it. Never accept a policy without seeing it in writing first.
Try Aplan or aviva. Avoid comparison sites.
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just strap tanks down. Don't fix anything
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Had the same problem with gladiator quote as they refused to put it in writing. Again just saying it's on there system. So if you do have a problem and need to claim you have no evidence you declared the tank. They then could get away with dennying it. Never accept a policy without seeing it in writing first.
Try Aplan or aviva. Avoid comparison sites.
I tried Aviva and they said it would only get cover if tank was pro fitted !
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We with gladiator and told em about 650 tank and no problems !
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just strap tanks down. Don't fix anything
My tank is strapped in , does this actually mean that i have to declare it as fitted ?
Seems to be a grey area !
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Interesting. Mines pro fitted though.
However surely a strapped in tank is not a modification. No different than strapping a pallet of goods in the back.
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We with gladiator and told em about 650 tank and no problems !
Do me a favour and look at your policy , is the tank mentioned on it ?
If not then you might not be covered , they appear to be bending the rules for financial gain , i wonder if the onbudsman would find this of interest , if they are then a lot of w/c's are not insured !
Rich
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Do you mean, insured through Gladiator and its underwritten by Admiral?
Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently
On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well
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Interesting. Mines pro fitted though.
However surely a strapped in tank is not a modification. No different than strapping a pallet of goods in the back.
I was thinking exactly that , do plasterers get screwed the same if on a big job that needs 20 bags ?
The other thing , say you use a pf trolley and carry 14 barrels with you , its not technically a tank but is the same volume of water
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I'm with adrian flux. Mentioned i had a large tank ratchet strapped in and they said that's fine as it is not a permanent fixture and is classed as carriage of goods. I don't have anything in writing but they claim all calls are recorded so i felt that could be used as evidence if ever needed.
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Do you mean, insured through Gladiator and its underwritten by Admiral?
Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently
On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well
they insure as standard any tank upto and a 650ltrs
if you phone them it then ask as a mod straight away
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Do you mean, insured through Gladiator and its underwritten by Admiral?
Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently
On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well
It was with Admiral as the front man and underwritten by Gladiator .
Was your tank diy fit or pro fit ?
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What constitutes pro-fitting when it comes to insurance though?
Are there certain criteria that need to be met?
Do you then get this in writing and are then covered?
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somthing very wrong here , it just seems to be a case of who you get on the phone.
Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct
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We with gladiator and told em about 650 tank and no problems !
Do me a favour and look at your policy , is the tank mentioned on it ?
If not then you might not be covered , they appear to be bending the rules for financial gain , i wonder if the onbudsman would find this of interest , if they are then a lot of w/c's are not insured !
Rich
Doesn't mention tank in van, but I have the call recorded when he assured me the tank was included.
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somthing very wrong here , it just seems to be a case of who you get on the phone.
Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct
just normal number on there site
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What constitutes pro-fitting when it comes to insurance though?
Are there certain criteria that need to be met?
Do you then get this in writing and are then covered?
I had major problems when i converted my T4 to a combi , as i had added windows and second row of seats nobody would touch me as the seats were not fitted professionally with paperwork , i had it for the windows but i diy'd the seats in the same manner as the conversion people do , just didnt have the paperwork , the AA was the only company that took me on !
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somthing very wrong here , it just seems to be a case of who you get on the phone.
Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct
just normal number on there site
Thanks Frank , why didnt i think of that :P
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This is why its best to have a strapped tank. Its not a permanent modification.
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Crikey Rich, just insure via Gladiator. Why don't you tell them how much meat is left on your brake pads while you're at it!! ;D some people deserve extortionate premiums!!
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Surely wereally covered if van hasn't been modified in any way. If you carry an ornamental pond from the garben centre it doesn't have to be prefssionly fitted.
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Crikey Rich, just insure via Gladiator. Why don't you tell them how much meat is left on your brake pads while you're at it!! ;D some people deserve extortionate premiums!!
I dont get what you mean mate , laymans terms please ;D
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
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This year I've gone with Alexander Swann . £360 fully comp with diy fitted 650l tank bolted in. All there in black and white on policy doc's.
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Im not overly bothered by the prices quoted , i was happy to pay £550 to the AA as the tank was listed on the policy , what is getting my goat is the fact that some blagger in a call centre is possibly going to be the cause of me losing out on 5K if the worst happens , i cant afford to get stuffed up like that .
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This year I've gone with Alexander Swann . £360 fully comp with diy fitted 650l tank bolted in. All there in black and white on policy doc's.
See now that is great , i was under the impression that they were way overpriced , which does not seem to be the case for you
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He is seventy years old mind!
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He is seventy years old mind!
;D ;D ;D
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
I too saw the mod addition , but no water tank option was there ?
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
I too saw the mod addition , but no water tank option was there ?
You then click on accessories and that brings up lots of boxes, one of them being water tank ;)
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I'm with Gladiator again this year as you discuss what sort of cover you want, tell them about the tank in the back of the pick up and they then give a list of prices with companies who'll provide cover. Starting with the cheapest they then checked with the individual companies to see if they'll cover the tank., if not they move on to the next one. £168 this year Fully Comp.
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
I too saw the mod addition , but no water tank option was there ?
oops , just looked again and found it , didnt see it yesterday , only came back with 4 results , more than being one of them at £308 , which is great , does it get listed on your policy do you know , and is your tank proffesionaly fitted ?
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
I too saw the mod addition , but no water tank option was there ?
oops , just looked again and found it , didnt see it yesterday , only came back with 4 results , more than being one of them at £308 , which is great , does it get listed on your policy do you know , and is your tank proffesionaly fitted ?
Yes it's on my policy as a modification, my tank was bolted in at a local garage.
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He is seventy years old mind!
;D tw@t
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Go compare has a box that you tick for modifications, you then go to accessories where you can declare a water tank, this is what I did and I got insured with More Th>n business and there was no additional charge for the water tank.
I too saw the mod addition , but no water tank option was there ?
oops , just looked again and found it , didnt see it yesterday , only came back with 4 results , more than being one of them at £308 , which is great , does it get listed on your policy do you know , and is your tank proffesionaly fitted ?
When I was looking for quotes, I rang more than and they would only insure me up to 500 litre tank
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I wonder if anyone would actually measure a tank in an accident to see if it would hold 150 litres more?
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Crikey Rich, just insure via Gladiator. Why don't you tell them how much meat is left on your brake pads while you're at it!! ;D some people deserve extortionate premiums!!
Ah ....just read it again and i get your drift now , the thing is im in the mindset that i just as well not bother getting any insurance at all unless its got me thouroughly covered , after all its not just about 5K of metal , it could be a life in the mix too .
I have taken enough steps back lately to have that on my plate too !
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As Judge Rinder would say....
"You should of got it in writing.....STUPID" ;D
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A Plan; been with them for years. They're great, understand WFP and tanks, and will provide a WFP vehicle in the event of an accident.
I think. I never read the blurb.
Give 'em a ring for a quote though.
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im with aplan never had a issue with my 500l tank straped and my gas heater with 13kilo bottol
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im with aplan never had a issue with my 500l tank straped and my gas heater with 13kilo bottol
A water tank strapped down is secure goods. Most people don't strap things down, yet not a problem. If its an open pickup, then its to be secure.
If the police say its secure, its ok
Now a gas bottle is different. I think the have to put a sticker on van saying so