Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: NWH on May 01, 2020, 07:49:47 pm

Title: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 01, 2020, 07:49:47 pm
Had a call as my insurance is due soon she said to me premiums are going to be increased right across the board soon if you are going to be carrying more than 650,lol anything to squeeze more money out of us.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: KS Cleaning on May 01, 2020, 08:25:49 pm
Had a call as my insurance is due soon she said to me premiums are going to be increased right across the board soon if you are going to be carrying more than 650,lol anything to squeeze more money out of us.
Why do you need a 650 anyway? You work on your own don’t you? Or do you? You work smart, half the amount of work for a full days pay etc, etc.
Not a lot you of what you say adds up😂
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: ֍Winp®oClean֍ on May 01, 2020, 09:40:14 pm
From this and previous posts Nigel...... I think your insurers stitch you up like a kipper year on year!!😁
It never ceases to amaze me just what they tell you.😬🤐
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: deeege on May 01, 2020, 09:43:36 pm
Tell them how hot your water is NWH, like you tell your customers. They’ll  be so impressed that they’ll insure you for free.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Splash & dash on May 01, 2020, 09:47:48 pm
Tell them how hot your water is NWH, like you tell your customers. They’ll  be so impressed that they’ll insure you for free.

He doesn’t carry water it’s steam 😂😂
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: G Griffin on May 02, 2020, 12:32:54 am
Had a call as my insurance is due soon she said to me premiums are going to be increased right across the board soon if you are going to be carrying more than 650,lol anything to squeeze more money out of us.
It's not right across the board if you're only carrying more than 650 litres.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: EandM on May 02, 2020, 12:45:55 am
I've just renewed the insurance on my Ranger and it went up by £10 - after they'd agreed to knock £48 anyway.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Lee GLS on May 02, 2020, 08:31:41 am
I've just renewed the insurance on my Ranger and it went up by £10 - after they'd agreed to knock £48 anyway.

Who is your insurance with
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Dry Clean on May 02, 2020, 08:41:08 am
Had a call as my insurance is due soon she said to me premiums are going to be increased right across the board soon if you are going to be carrying more than 650,lol anything to squeeze more money out of us.
(http://www.cleanitup.co.uk/smf/1588405260_pppoooo.png)
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: AuRavelling79 on May 02, 2020, 08:51:09 am
I seem to recall a few years back going for quotes and one insurer (was it Arriba! Arriba/Norwich Onion?) had a price hike for anything over 500 litres.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: KS Cleaning on May 02, 2020, 10:38:26 am
I seem to recall a few years back going for quotes and one insurer (was it Arriba! Arriba/Norwich Onion?) had a price hike for anything over 500 litres.
Yes that sounds about right, I was with them for a few years with no issues, then when I tried to renew they had moved the goalposts and wouldn’t cover me as I had a 650 litre tank at the time.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 02, 2020, 11:09:18 am
My quote this year is £469
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Splash & dash on May 02, 2020, 12:48:55 pm
My quote this year is £469


That sounds expensive , I have a 1000 ltr hot system and pole cover new for  old if stolen and I pay £355 with Alexander swan
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 02, 2020, 01:19:26 pm
That was the best price I got with A-Plan that’s with Agias I think she said.
Mind you I have legal cover and replacement van with system in.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 02, 2020, 01:20:42 pm
Mine sounds about right then because the cost of replacement vehicle with system bumps £125 on the premium.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Rob.Hall on May 02, 2020, 01:49:19 pm
Yes NWH....
Sounds about right for a replacement van and legal cover.
Still good to check around however I had a deer jump out and take out my front wing.
A Plan where brill.
Got a replacement van next day while work was done on other van.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: EandM on May 02, 2020, 02:13:37 pm
I've just renewed the insurance on my Ranger and it went up by £10 - after they'd agreed to knock £48 anyway.

Who is your insurance with

Still with Gladiator Lee. £204 and includes carrying the tank and associated bits plus off road cover too.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Splash & dash on May 02, 2020, 02:19:29 pm
Mine sounds about right then because the cost of replacement vehicle with system bumps £125 on the premium.

I pay £75 extra for that  cover , so not hugely different, total price then
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: dazmond on May 02, 2020, 02:29:56 pm
i dont get why  your insurance is so cheap?.....mine is around £500-£600 per year(i pay mine in one lump sum too!)for commercial van insurance fully comp including breakdown cover,legal aid,replacement vehicle,etc and i have over 9 years no claims and im 48 yrs of age......ive never been able to get it any cheaper than £500......my van is a 17 plate connect L2 240 limited with a 500L tank and hot system.......could it be because i live in a high crime area?
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: KS Cleaning on May 02, 2020, 02:31:42 pm
A totally pointless exercise trying to compare what you pay for your  motor insurance with others, there are simply too many variables involved.... what excess you pay, what NCB you have built up, NCB protected, legal cover, courtesy vehicle, breakdown assistance,  post code, make of vehicle, value of vehicle, how many miles you do, modifications to vehicle, how long you’ve been driving, age, claims made, where you park your vehicle, do you own another vehicle, etc etc etc.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: P @ F on May 02, 2020, 03:33:23 pm
Daz , sounds like you are a victim of the postcode lottery mate !
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: P @ F on May 02, 2020, 03:37:54 pm
Mine has gone down 2 years in a row now , about £30 off each year and I’m not even changing companies!
Fully comp , full legal , courtesy van , breakdown, and the Mrs on it too  !
Not even £300 a year  ;D
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Dave Willis on May 02, 2020, 04:58:16 pm
£200 for me, 650l tank, been hit three times now once by an uninsured driver, been hit in the car too, claimed every time off others insurance. I’m now classed as high risk 😃
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: bravo20 on May 02, 2020, 05:54:08 pm
£200 for me, 650l tank, been hit three times now once by an uninsured driver, been hit in the car too, claimed every time off others insurance. I’m now classed as high risk 😃
Mine has gone down 2 years in a row now , about £30 off each year and I’m not even changing companies!
Fully comp , full legal , courtesy van , breakdown, and the Mrs on it too  !
Not even £300 a year  ;D

Who are you both with,  got my renewal today,  just over £400
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Frankybadboy on May 02, 2020, 05:58:19 pm
mine just gone down by £17 a year with a 650ltr system in
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 02, 2020, 07:04:10 pm
£200 for me, 650l tank, been hit three times now once by an uninsured driver, been hit in the car too, claimed every time off others insurance. I’m now classed as high risk 😃

How do you work that out then,who’s insurance have you claimed off of if they weren’t insured.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: [GQC] Tim on May 02, 2020, 08:16:04 pm
Had a call as my insurance is due soon she said to me premiums are going to be increased right across the board soon if you are going to be carrying more than 650,lol anything to squeeze more money out of us.
Why do you need a 650 anyway? You work on your own don’t you? Or do you? You work smart, half the amount of work for a full days pay etc, etc.
Not a lot you of what you say adds up😂

I work on my own, use a 650 and on big residential days I can come very close to emptying it. Especially if mixed with one offs and other add on dirty jobs.

On commercials when you're doing 6+ hours non stop you might as well find a tap somewhere and start producing while you work as it will be gone before you finish the job.

Fast window cleaning requires fast flow. If you're working slower anyway you can get away with using less water. But then you'd be doing far less.

I think people like NWH understand the limiting factor in using less water. I sure do.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Dave Willis on May 02, 2020, 09:07:18 pm
£200 for me, 650l tank, been hit three times now once by an uninsured driver, been hit in the car too, claimed every time off others insurance. I’m now classed as high risk 😃

How do you work that out then,who’s insurance have you claimed off of if they weren’t insured.
motor insurance bureau paid out (MIB) it’s like a pool of money insurers pay into.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Dry Clean on May 03, 2020, 12:11:04 pm
i dont get why  your insurance is so cheap?.....mine is around £500-£600 per year(i pay mine in one lump sum too!)for commercial van insurance fully comp including breakdown cover,legal aid,replacement vehicle,etc and i have over 9 years no claims and im 48 yrs of age......ive never been able to get it any cheaper than £500......my van is a 17 plate connect L2 240 limited with a 500L tank and hot system.......could it be because i live in a high crime area?
On street parking can up your insurance as can living in a flat/apartment.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Dry Clean on May 03, 2020, 12:25:24 pm
Axa  £280 a year and no interest in a tank no matter the size (as long as the van can legally carry the weight) or if bolted in or not, this tank nonsense seems to be something that Sproggit and Silvester type insurance companies have started using to fleece guys (usually younger drivers) that cant really go to the more reputable insurance companies who wont insure them.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: NWH on May 03, 2020, 02:41:45 pm
I can go to any insurance company I want I have maximum no claims etc,I use A Plan they say if you carry water for everyday use it’s a modification this has been talked about on here before,they only have a few that will take WPF Agias is the most competitive for them.
I wouldn’t just look at the price you can get insurance on anything if you don’t tick specific boxes on the form,bit different when you put a claim in though eh.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Stoots on May 03, 2020, 09:27:22 pm
Never told my insurance anything lol.

Its strapped so not modified as far as I'm concerned.

I carry a 650, solo I use about 500 a day but always good to have a bit incase.

I don't mess about with flow, trying to save a few quid on water is a false economy. Controllers set to full, use as much water as you like, faster flow faster rinse, quicker I'm onto the next job.
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: P @ F on May 03, 2020, 09:43:41 pm
£200 for me, 650l tank, been hit three times now once by an uninsured driver, been hit in the car too, claimed every time off others insurance. I’m now classed as high risk 😃
Mine has gone down 2 years in a row now , about £30 off each year and I’m not even changing companies!
Fully comp , full legal , courtesy van , breakdown, and the Mrs on it too  !
Not even £300 a year  ;D

Who are you both with,  got my renewal today,  just over £400
I am with MORE THAN - BUSINESS, underwritten by Royal Sun Alliance
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Splash & dash on May 03, 2020, 09:58:27 pm
i dont get why  your insurance is so cheap?.....mine is around £500-£600 per year(i pay mine in one lump sum too!)for commercial van insurance fully comp including breakdown cover,legal aid,replacement vehicle,etc and i have over 9 years no claims and im 48 yrs of age......ive never been able to get it any cheaper than £500......my van is a 17 plate connect L2 240 limited with a 500L tank and hot system.......could it be because i live in a high crime area?



It depends where you are in the country , on or off road parking ,crime figures for the area , and accident rate . Where I am all are low so it’s cheaper , I have one of my vans in another part of the country and it’s £150 more due to location ,and crime rate .
Title: Re: Just been told insurance premiums going up if you carry over 650ltrs now.
Post by: Bungle on May 04, 2020, 12:14:48 am
i dont get why  your insurance is so cheap?.....mine is around £500-£600 per year(i pay mine in one lump sum too!)for commercial van insurance fully comp including breakdown cover,legal aid,replacement vehicle,etc and i have over 9 years no claims and im 48 yrs of age......ive never been able to get it any cheaper than £500......my van is a 17 plate connect L2 240 limited with a 500L tank and hot system.......could it be because i live in a high crime area?



It depends where you are in the country , on or off road parking ,crime figures for the area , and accident rate . Where I am all are low so it’s cheaper , I have one of my vans in another part of the country and it’s £150 more due to location ,and crime rate .

Really? Where is the van that costs £150 more to insure based?