Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: jo5hm4n on July 28, 2020, 03:35:18 pm
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I use Van Compare for my insurance because they always find me the cheapest prices each year, and thats all i care about honestly. I'm not into staying with an insurance company for so called loyalty. All they care about is milking you for money and whenever you need them, they try their hardest to riggle out of helping if they can find a legal loophole in the policy.
My insurance policy from 2018-2019 i was fully covered for 2 people on my van, bear in mind i was 25 aswell so insurance always more expensive when younger. Policy was for like £1200 but i was covered for having a water tank in the back for window cleaning.
2019-2020 i got an auto renewing policy as the price was cheaper then original plus no deposit so i went along with it.
Today i phoned up as i have to add another drive onto the policy only to find out that they were not aware of my water tank in the back of the van. Apparently when you have an auto renewing policy, any vehicle modifications get deleted from the policy notes??????? So i should of phoned up to tell them before the policy auto renewed. I was not aware of any of this.
So basically ive been driving around since Nov 2019 with insurance not covering me for a water tank in the back.
They have just re quoted me with the new driver and the water tank in the back and price is now £1600 for 3 drivers, also they wiped off my 10 months towards another year of NCB because of the water tank issue made it invalid.
Not sure whether to be in a good mood or a bad mood too be honest lol.
Just thought id mention it, incase of you on here have auto renew policies with a broker, careful about the water tank issue. They did me good and proper there!!!!
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If you weren't insured, ask for your money back. You won't get it but it'll be a fun argument.
Go with someone else. I recommend using a local broker.
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Still sounds really expensive.
My van insurance with tank in the back and two drivers £650.
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I've never declared a tank, but then mines not bolted in...
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I've never declared a tank, but then mines not bolted in...
Same.
Even when it was in for insurance repairs after a small crash, they didn’t batter an eyelid. They even asked me if I needed a water tank in my courtesy van!
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They won’t wait till there’s a serious injury or worse involved,that thing you carry water in is the biggest loophole you are giving them.
I would want it in writing you are covered to carry a container or tank that contains X LTRS of water,I’ve spoken to various companies about this they’ve all said the same they use brokers and a lot of the time it’s in the small print as a modification as it’s in the back daily I’m only passing on what I’ve been told.
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Mine's declared along with a load of other mods and cover for off road use.
£179.
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I've never declared a tank, but then mines not bolted in...
Same.
Even when it was in for insurance repairs after a small crash, they didn’t batter an eyelid. They even asked me if I needed a water tank in my courtesy van!
Whenever I’ve taken out insurance I have never been asked if I carry a tank. I’m not carrying hazardous equipment, just tools for my job. How many flat bed trucks have you seen driving on the motorway with IBC tanks full of water strapped down? I’ve seen loads so I’m not worried.
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Are they carrying it to a site or to another field for animals etc,if it’s in the back everyday all I’ve been told is that it’s a modification.
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I've never declared a tank, but then mines not bolted in...
Same.
Even when it was in for insurance repairs after a small crash, they didn’t batter an eyelid. They even asked me if I needed a water tank in my courtesy van!
Whenever I’ve taken out insurance I have never been asked if I carry a tank. I’m not carrying hazardous equipment, just tools for my job. How many flat bed trucks have you seen driving on the motorway with IBC tanks full of water strapped down? I’ve seen loads so I’m not worried.
A van doing van stuff.
I've yet to see an example of a van doing van stuff invalidating a policy so a claim is not paid out.
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My policy got sent out to me with the wrong annual mileage out on it there mistake,I called them up and they said ok thanks for letting us know and checking it probably wouldn’t have been a problem but it could have been lol.
Insurance companies don’t require much to get out of paying you 1000s of pounds their must be a stupid amount of people paying Insurance on what they think will cover them yet it won’t.
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I've never declared a tank, but then mines not bolted in...
Same.
Even when it was in for insurance repairs after a small crash, they didn’t batter an eyelid. They even asked me if I needed a water tank in my courtesy van!
Whenever I’ve taken out insurance I have never been asked if I carry a tank. I’m not carrying hazardous equipment, just tools for my job. How many flat bed trucks have you seen driving on the motorway with IBC tanks full of water strapped down? I’ve seen loads so I’m not worried.
A van doing van stuff.
I've yet to see an example of a van doing van stuff invalidating a policy so a claim is not paid out.
I was told by one company that if I drove my pick up across my field to fill up with water it would void my entire policy.
They argued that as there was no track it consituted off road use which is excluded by most policys.
I pointed out that it was a truck, with 4x4 in a 4x4 environment that I owned.
They still wouldn't have it.
I said Ok, I'll make a track with my car. I'll drive backwards and forwards a few times to ensure there's a route to the water.
They told me my car insurance would be similarly void and still wouldn't have it.
I gave up at that point and went back to the broker but their utterly mental attitude wasn't unique.
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Maximum no claims the lot I still can’t get mine below 460-480 if I didn’t mention the tank it would be 200 ish I’ve been told by insurers.
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But wouldn’t be covered if it was discovered I was carrying one.
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Maximum no claims the lot I still can’t get mine below 460-480 if I didn’t mention the tank it would be 200 ish I’ve been told by insurers.
I have maximum NCB on two policies, live in Devon, drive an old truck and am old.
It all helps.
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But wouldn’t be covered if it was discovered I was carrying one.
Did that tell you that explicitly?
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A Plan told me that if I insured as a window cleaner I had to disclose if I carried any tank at all it would change the policy.
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A Plan told me that if I insured as a window cleaner I had to disclose if I carried any tank at all it would change the policy.
Try another insurance company then.
Side note; I added the Mrs to my van insurance this year when doing comparisons and it actually came down by about £30. Still wouldn’t trust her in it though ;D
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Insurance companies are a law to themselves and will duck out of big payments if they can.
One think to note, if you had not declared a water tank and, god forbid, killed someone, your insurance company would be looking at a big payout and want to wriggle out of it and void your insurance. If you are a sole trader or partnership then, technically you have no insurance so the victims family/no win no fee lawyer could take you to court and you could lose your house!!!!!!
OK so lots of 'if' there but for the sake of a couple of hundred quid is it worth risking your house???
PS. people who post premiums can you say which company as it may help us all find cheaper insurance?
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Insurance companies are a law to themselves and will duck out of big payments if they can.
One think to note, if you had not declared a water tank and, god forbid, killed someone, your insurance company would be looking at a big payout and want to wriggle out of it and void your insurance. If you are a sole trader or partnership then, technically you have no insurance so the victims family/no win no fee lawyer could take you to court and you could lose your house!!!!!!
OK so lots of 'if' there but for the sake of a couple of hundred quid is it worth risking your house???
PS. people who post premiums can you say which company as it may help us all find cheaper insurance?
I've found Gladiator have been very good for a few years.
Talk to them and tell them what your situation is and exactly what you want covered.
Nine years ago insuring a tank was nearly impossible and I wasted many hours attempting to reason with different companies but soon realised it was pointless.
I needed off road cover and that was equally fun trying to arrange.
Gladiator are a broker and very good at tailoring an insurance package rather than just box ticking and reading a script.
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There’s only a limited amount of insurance companies that cover carrying a water tank or should I say underwriters,if you do an online form you can put down what you like if you don’t include certain things it’s ok saying it didn’t say this and that but you may as well be driving around with no insurance.
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If you are not overloading your van it's going to be very difficult for any insurance company to get out of paying because your van was carrying stuff.
Carrying stuff is, after all, the whole modded point of vans.
Asking for more money because you are carrying water is nothing more than a shake down.
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
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Some underwriters will only insure you if you have either an ionic or Grippa system they go hand in hand with a replacement vehicle with fitted system,I’ve had this conversation many times with the brokers when I’ve had quotes.
My argument was why other window cleaners were paying a lot less than me in most cases half the premium,in reality there is a lot of insurers that will let you fill in an online form for insurance you don’t have to state if you have a tank fitted in the back you can insure yourself as a cleaning business and the 3-4 brokers I spoke to told me this is the reason. A couple of months ago I spoke to A Plan they only had a few brokers that would insure WFP window cleaners,I could go online and insure myself and not mention I have a tank to save a couple of hundred quid why take the chance,I think it’s tempting for window cleaners that only do local mileage that don’t get about 50 mile an hour but I do a lot of miles.
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Also all the Companies A Plan use only cover up to 650lts.
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Not true NWH
I am with them and have a 700ltr tank
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
Specific examples, no but I have had plenty of in depth conversations with a number of insurance companies over the past decade, specifically for the purpose of insuring a water tank. Skip to the last paragraph if you'd like to avoid the waffle.
The primary response from most of the companies, at least initially, was simply down to how they understood the term 'modifcation'.
Some companies viewed that as ANYTHING the vehicle didn't have when it left the factory - non standard audio, seats, trim, racking, tanks, wheels, tyre sizes etc.
One company wouldn't allow me a bolted down tank as it was a 'modifcation and may affect the integrity and safety of the vehicle'.
My response was that I'd just chuck it in the back, to which they designated it an 'unsecured load.' and wouldn't cover that either.
I asked if a wheelbarrow needed to be secured and they said no as that was 'cargo' and could be removed.
I then pointed out that a water tank could easily be removed and, like a wheelbarrow, was therefore 'cargo' too.
We went around in circles for a bit until I realised it was pointless and moved on.
The conclusion was: Each insurance company uses a different set of parameters for determining risk.
SOME will not insure AYTHING added to the vehicle without in depth breakdown / premium loading and much arguing.
OTHERS simply do not care what you do within the confines of what is legal - like my current insurers who are quite happy with my unsecured tank and my frequent off road activity.
If you have an insurance company that quibbles over anything and you had any modifications that you hadn't declared and were then involved in an expensive accident they will simply pay out for the 3rd party damage and then sue you personally for the loses they've incurred. If it runs into hundreds of thousands of £ then they'll simply take your assets to recoup.
This also occurs with modified cars and some policies with a drink drive exclusion where the driver was over the limit.
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
Specific examples, no but I have had plenty of in depth conversations with a number of insurance companies over the past decade, specifically for the purpose of insuring a water tank. Skip to the last paragraph if you'd like to avoid the waffle.
The primary response from most of the companies, at least initially, was simply down to how they understood the term 'modifcation'.
Some companies viewed that as ANYTHING the vehicle didn't have when it left the factory - non standard audio, seats, trim, racking, tanks, wheels, tyre sizes etc.
One company wouldn't allow me a bolted down tank as it was a 'modifcation and may affect the integrity and safety of the vehicle'.
My response was that I'd just chuck it in the back, to which they designated it an 'unsecured load.' and wouldn't cover that either.
I asked if a wheelbarrow needed to be secured and they said no as that was 'cargo' and could be removed.
I then pointed out that a water tank could easily be removed and, like a wheelbarrow, was therefore 'cargo' too.
We went around in circles for a bit until I realised it was pointless and moved on.
The conclusion was: Each insurance company uses a different set of parameters for determining risk.
SOME will not insure AYTHING added to the vehicle without in depth breakdown / premium loading and much arguing.
OTHERS simply do not care what you do within the confines of what is legal - like my current insurers who are quite happy with my unsecured tank and my frequent off road activity.
If you have an insurance company that quibbles over anything and you had any modifications that you hadn't declared and were then involved in an expensive accident they will simply pay out for the 3rd party damage and then sue you personally for the loses they've incurred. If it runs into hundreds of thousands of £ then they'll simply take your assets to recoup.
This also occurs with modified cars and some policies with a drink drive exclusion where the driver was over the limit.
"No" would have done fine.
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
Specific examples, no but I have had plenty of in depth conversations with a number of insurance companies over the past decade, specifically for the purpose of insuring a water tank. Skip to the last paragraph if you'd like to avoid the waffle.
The primary response from most of the companies, at least initially, was simply down to how they understood the term 'modifcation'.
Some companies viewed that as ANYTHING the vehicle didn't have when it left the factory - non standard audio, seats, trim, racking, tanks, wheels, tyre sizes etc.
One company wouldn't allow me a bolted down tank as it was a 'modifcation and may affect the integrity and safety of the vehicle'.
My response was that I'd just chuck it in the back, to which they designated it an 'unsecured load.' and wouldn't cover that either.
I asked if a wheelbarrow needed to be secured and they said no as that was 'cargo' and could be removed.
I then pointed out that a water tank could easily be removed and, like a wheelbarrow, was therefore 'cargo' too.
We went around in circles for a bit until I realised it was pointless and moved on.
The conclusion was: Each insurance company uses a different set of parameters for determining risk.
SOME will not insure AYTHING added to the vehicle without in depth breakdown / premium loading and much arguing.
OTHERS simply do not care what you do within the confines of what is legal - like my current insurers who are quite happy with my unsecured tank and my frequent off road activity.
If you have an insurance company that quibbles over anything and you had any modifications that you hadn't declared and were then involved in an expensive accident they will simply pay out for the 3rd party damage and then sue you personally for the loses they've incurred. If it runs into hundreds of thousands of £ then they'll simply take your assets to recoup.
This also occurs with modified cars and some policies with a drink drive exclusion where the driver was over the limit.
"No" would have done fine.
"No" would have been incorrect.
https://www.echo-news.co.uk/news/local_news/8164221.car-owner-being-sued-by-her-insurance-firm/
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
Specific examples, no but I have had plenty of in depth conversations with a number of insurance companies over the past decade, specifically for the purpose of insuring a water tank. Skip to the last paragraph if you'd like to avoid the waffle.
The primary response from most of the companies, at least initially, was simply down to how they understood the term 'modifcation'.
Some companies viewed that as ANYTHING the vehicle didn't have when it left the factory - non standard audio, seats, trim, racking, tanks, wheels, tyre sizes etc.
One company wouldn't allow me a bolted down tank as it was a 'modifcation and may affect the integrity and safety of the vehicle'.
My response was that I'd just chuck it in the back, to which they designated it an 'unsecured load.' and wouldn't cover that either.
I asked if a wheelbarrow needed to be secured and they said no as that was 'cargo' and could be removed.
I then pointed out that a water tank could easily be removed and, like a wheelbarrow, was therefore 'cargo' too.
We went around in circles for a bit until I realised it was pointless and moved on.
The conclusion was: Each insurance company uses a different set of parameters for determining risk.
SOME will not insure AYTHING added to the vehicle without in depth breakdown / premium loading and much arguing.
OTHERS simply do not care what you do within the confines of what is legal - like my current insurers who are quite happy with my unsecured tank and my frequent off road activity.
If you have an insurance company that quibbles over anything and you had any modifications that you hadn't declared and were then involved in an expensive accident they will simply pay out for the 3rd party damage and then sue you personally for the loses they've incurred. If it runs into hundreds of thousands of £ then they'll simply take your assets to recoup.
This also occurs with modified cars and some policies with a drink drive exclusion where the driver was over the limit.
"No" would have done fine.
"No" would have been incorrect.
https://www.echo-news.co.uk/news/local_news/8164221.car-owner-being-sued-by-her-insurance-firm/
Sorry, I missed the bit in there where they talked about the water tank. What size was it? A £700 Vauxhall Corsa probably isn't the ideal workhorse for carrying large tanks of water, I'd use a van for that.
Carrying stuff is not modifying. Carrying stuff is what vans are designed to do.
Furthermore the example you gave did not end with any recouping or taking of assets.
https://www.bbc.co.uk/news/uk-england-essex-11717295
After a brief hearing, at which Mrs Bissmire, of Sedgehill Road, Catford, London, was not present, the judge ruled that Diamond Insurance was entitled to "avoid" the policy.
The ruling means that substantial damages claims now likely to be made by Mr Morris's family and others injured in the accident can only be taken up with the Motor Insurers Bureau, the industry body that compensates victims of uninsured drivers.
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Not true NWH
I am with them and have a 700ltr tank
The girl I had a conversation with 2 months ago when I renewed told me 650 was the maximum for the company I was going to be going with.
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Not true NWH
I am with them and have a 700ltr tank
The girl I had a conversation with 2 months ago when I renewed told me 650 was the maximum for the company I was going to be going with.
You must have some kind of insatiable desire to be persistently stitched up like a kipper NWH😄😄
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Must have then I’m only repeating what I was told by A Plan I would never do an online policy anyway I like to know what I’m getting and I know it’s recorded 👍.
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Must have then I’m only repeating what I was told by A Plan I would never do an online policy anyway I like to know what I’m getting and I know it’s recorded 👍.
Maybe it's van specific? My van would be very near the limit at 750...
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
Specific examples, no but I have had plenty of in depth conversations with a number of insurance companies over the past decade, specifically for the purpose of insuring a water tank. Skip to the last paragraph if you'd like to avoid the waffle.
The primary response from most of the companies, at least initially, was simply down to how they understood the term 'modifcation'.
Some companies viewed that as ANYTHING the vehicle didn't have when it left the factory - non standard audio, seats, trim, racking, tanks, wheels, tyre sizes etc.
One company wouldn't allow me a bolted down tank as it was a 'modifcation and may affect the integrity and safety of the vehicle'.
My response was that I'd just chuck it in the back, to which they designated it an 'unsecured load.' and wouldn't cover that either.
I asked if a wheelbarrow needed to be secured and they said no as that was 'cargo' and could be removed.
I then pointed out that a water tank could easily be removed and, like a wheelbarrow, was therefore 'cargo' too.
We went around in circles for a bit until I realised it was pointless and moved on.
The conclusion was: Each insurance company uses a different set of parameters for determining risk.
SOME will not insure AYTHING added to the vehicle without in depth breakdown / premium loading and much arguing.
OTHERS simply do not care what you do within the confines of what is legal - like my current insurers who are quite happy with my unsecured tank and my frequent off road activity.
If you have an insurance company that quibbles over anything and you had any modifications that you hadn't declared and were then involved in an expensive accident they will simply pay out for the 3rd party damage and then sue you personally for the loses they've incurred. If it runs into hundreds of thousands of £ then they'll simply take your assets to recoup.
This also occurs with modified cars and some policies with a drink drive exclusion where the driver was over the limit.
"No" would have done fine.
"No" would have been incorrect.
https://www.echo-news.co.uk/news/local_news/8164221.car-owner-being-sued-by-her-insurance-firm/
Sorry, I missed the bit in there where they talked about the water tank. What size was it? A £700 Vauxhall Corsa probably isn't the ideal workhorse for carrying large tanks of water, I'd use a van for that.
Carrying stuff is not modifying. Carrying stuff is what vans are designed to do.
Furthermore the example you gave did not end with any recouping or taking of assets.
https://www.bbc.co.uk/news/uk-england-essex-11717295
After a brief hearing, at which Mrs Bissmire, of Sedgehill Road, Catford, London, was not present, the judge ruled that Diamond Insurance was entitled to "avoid" the policy.
The ruling means that substantial damages claims now likely to be made by Mr Morris's family and others injured in the accident can only be taken up with the Motor Insurers Bureau, the industry body that compensates victims of uninsured drivers.
The point I was making was your or my liability under law.
Your or my interpretation of what is or isn't permisslbe to carry is irrelevant - it is down to the opinion and terms & conditions of the individual insurance company.
Some are reasonable some or not.
This applies to anything that the insurance company believes it should be notified off - whether that be water tanks or a change of wheels.
In the case of Diamond Insurance - they were attempting to duck their responsibility to compensate the third parties and apparently suceeded.
I looked up the relevant legalities as handled by a law firm:
" Specific Detail – Uninsured Drivers Scheme
The driver of the offending vehicle must be fully identified and the vehicle uninsured. (If a vehicle is insured, but the driver is not insured for any reason, then generally the insurers will have to pay the claim as part of their responsibilities under the Road Traffic Act 1988. Paying a claim as RTA insurers enables the insurers to try and recover sums paid out from the responsible party/their policyholder) "
"The MIB is a fund of last resort and so will look to an insurer to deal wherever possible"
https://www.stephensons.co.uk/site/news_and_events/uptodatenews/uninsured_driving.html
This is a horrendous outcome but presumably the driver had no assets no seize?
Young chap, driving his mother's car and presumably still living at home?
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Not true NWH
I am with them and have a 700ltr tank
The girl I had a conversation with 2 months ago when I renewed told me 650 was the maximum for the company I was going to be going with.
When you ring these types the last thing you want to be talking about is water tanks😉
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Not true NWH
I am with them and have a 700ltr tank
The girl I had a conversation with 2 months ago when I renewed told me 650 was the maximum for the company I was going to be going with.
When you ring these types the last thing you want to be talking about is water tanks😉
If they don't ask the question then it's not a problem.
Unfortuantely, whenever I put my occupation as 'Window Cleaner' they do ask me.
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Lol they definitely ask and as for if they don’t ask don’t tell them that’s not a good idea when it comes to any kind of insurance.
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Oh dear Mr lorry driver, you’ve had a crash. What were you carrying on the trailer? I had 20 2 ton RSJ’s held down by chains. No problem your load seems like it was secure. Here’s ££££’s payout.
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Lol they definitely ask and as for if they don’t ask don’t tell them that’s not a good idea when it comes to any kind of insurance.
Answer all and every question truthfully...but don't proffer any information.
If they know what they're doing, they'll ask you.
If they don't, I wouldn't want to insure with them.
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I tell them what’s in the back they will wiggle out of it by any means.
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Has anything changed at all so this quote is based on blah blah van with WFP system fitted,first question every time.
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In 17 years wfp, I've never once been asked, nor even come across it as either a direct question or an assumption. It's also never been included in any small print on any of my policies- never. Fact.
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Has anyone heard of the word disclosure please I can’t remember what it means.
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Has anyone heard of the word disclosure please I can’t remember what it means.
Yes, it's 'the action of making new or secret information known'.
The fact that I'm a window cleaner, driving a van that hasn't been modified is neither new , nor secret information. I have always answered every question asked honestly and accurately and conform with all listed assumptions. I'm also fully insured for a fraction of what you pay too. ;D
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I earn good money so don’t need to take a chance with van insurance.
Alexander Swan for both our vans. I hear A Plan are good also.
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I earn good money so don’t need to take a chance with van insurance.
Alexander Swan for both our vans. I hear A Plan are good also.
Same here, that's why I do what I stated above- there's nothing more you can do! ;)
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At renewal and having stated, 'window cleaning' they always ask if I have a tank.
Enough of us have now been around for long enough and most companies seem properly geared up for it.
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Has anyone heard of the word disclosure please I can’t remember what it means.
Why would you need to disclose that you will be using your van as a van?
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we had one of our vans rear ended 2 years ago , sent the pictures into them and because it had a roof rack there tried not to pay out as i didn't declare it , after many phone calls it boiled down to weather it was factory fit of not and weather i could prove it was and weather they could prove it wasnt , this was a non fault claim , and it was my own insurance
when i explained it was a exaa sign van ( witch it was ) and that the aa ordered many many type of vans to do different jobs and spec , and after i had sent them pics of where the side rack hand been fitted they said it could of been ordered from the factory and they covered it !
aviva will void the insurance if the van is covered more then 30% with sign writing did you know that ! nearly got caught out with that one as well !
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I thought if you have a sign written van (and tell the insurer) that it would reduce your premium as it would be easier to find if it got nicked?
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we had one of our vans rear ended 2 years ago , sent the pictures into them and because it had a roof rack there tried not to pay out as i didn't declare it , after many phone calls it boiled down to weather it was factory fit of not and weather i could prove it was and weather they could prove it wasnt , this was a non fault claim , and it was my own insurance
when i explained it was a exaa sign van ( witch it was ) and that the aa ordered many many type of vans to do different jobs and spec , and after i had sent them pics of where the side rack hand been fitted they said it could of been ordered from the factory and they covered it !
aviva will void the insurance if the van is covered more then 30% with sign writing did you know that ! nearly got caught out with that one as well !
Won’t get many replies now Susan lol like all insurance it’s a game I know I clean at least 3 brokers that run the business from home,you have to put everything down to cover yourself it’s up to you to say whether or not the van has been modified with a tank or whatever it is.
How many cars and vans are driving around having been remapped,looooads first thing they’ll do in a serious accident is plug em in lol.
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It's a reoccurring thread this. The bottom line is... NWH can't accept that by modifying his van, he then has to pay a largely inflated insurance premium. To try and console himself with getting stitched up like a kipper year on year, he then tries to convince anyone who will listen that everyone else isn't insured. All based on what the people who stitch him up 'tell him!😆😆
Ironically, it seems the only person who doesn’t understand insurance policy wording and what constitutes a modification is......NWH!😲😘
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It's a reoccurring thread this. The bottom line is... NWH can't accept that by modifying his van, he then has to pay a largely inflated insurance premium. To try and console himself with getting stitched up like a kipper year on year, he then tries to convince anyone who will listen that everyone else isn't insured. All based on what the people who stitch him up 'tell him!😆😆
Ironically, it seems the only person who doesn’t understand insurance policy wording and what constitutes a modification is......NWH!😲😘
;D ;D
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Never mind I can afford the premiums 😉
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Anyone got any examples of an insurance company not paying out because someone had a water tank?
That'll be a no then.
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Does anyone have a private plate on their van? Reason I’m asking is I’m trading in the wife’s car next week so have put her private plate on retention and put original plates back on her car, I notified her insurance.....and she got a refund of £50 minus £25 administration cost. I had no idea that a private plate increases the annual premium.
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Soupy what you worrying about then m8 has anyone got proof what for you just crack on with what your doing m8,you and Wipo know what your doing 🤣🤣.
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Did you hear the one about the bloke that had a fleet of vans that weren’t insured 🤣🤣🤣.
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Did you hear the one about the bloke that had a fleet of vans that weren’t insured .
My vans are insured. I know that for a fact as I've made claims.
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Did you hear the one about the bloke that had a fleet of vans that weren’t insured 🤣🤣🤣.
Sounds to me like the sales person is screwing more money out of you than you need to pay.
This is what an loss adjuster came to look at in July this year:
(https://lh4.googleusercontent.com/-lktYNBoGeu4/UcBfRljmFVI/AAAAAAAAFDE/PcQIyOd1YQw/w1118-h630-no/IMAG0358.jpg)
The word 'modification' was never uttered.