Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: dazmond on March 25, 2023, 03:48:29 pm
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Van insurance due for renewal...
Quote with existing company for this year £535-00 fully comp including breakdown(without home start),courtesy van,etc(last year was £100 cheaper).
Managed to get it for £396 with autonet with all the same things AND breakdown with home start...
Car insurance also due managed to get it £150 cheaper WITH my missus as a named driver! ;)
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How was the jacuzzi?
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They should reward loyalty but they never do....I always renew with another company then cancel the auto renewal.... :)
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Do you declare having a fitted tank Daz?
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Both of mine are insured for a total of £360 with all mods declared and off road cover.
I’ve found it easier to stick with the same company but run quotes through the .com every year and get them matched.
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Do you declare having a fitted tank Daz?
Is that like a jacuzzi in the back of his van?
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Autonet was cheapest for me this year as well Dazmond with the breakdown etc- Grove and Dean last year and Admiral year before.
Like you say shop around and it pays off. Have been with Grove and Dean twice and Admiral twice since starting in 2017.
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Had to take missus off as a named driver due to a no fault claim in November in her Golf (woman opened car door as she was passing) is still unresolved from othe party's insurance. 🤦 Complained for the amount of time it's taken and Admiral gave her £150 cheque but still showing as a claim and unresolved.
If she'd stayed on the van insurance the quote was £965! Took her off and it was £360. :-\
She'll have to drive it 3rd party on her car insurance only in case we need her to in an emergency (and her excuse not to come on the glass with me) 😅
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Had to take missus off as a named driver due to a no fault claim in November in her Golf (woman opened car door as she was passing) is still unresolved from othe party's insurance. 🤦 Complained for the amount of time it's taken and Admiral gave her £150 cheque but still showing as a claim and unresolved.
If she'd stayed on the van insurance the quote was £965! Took her off and it was £360. :-\
She'll have to drive it 3rd party on her car insurance only in case we need her to in an emergency (and her excuse not to come on the glass with me) 😅
Does her car insurance give her 3rd Party Cover on vans?
I know some do but it's extremely unusual.
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Had to take missus off as a named driver due to a no fault claim in November in her Golf (woman opened car door as she was passing) is still unresolved from othe party's insurance. 🤦 Complained for the amount of time it's taken and Admiral gave her £150 cheque but still showing as a claim and unresolved.
If she'd stayed on the van insurance the quote was £965! Took her off and it was £360. :-\
She'll have to drive it 3rd party on her car insurance only in case we need her to in an emergency (and her excuse not to come on the glass with me) 😅
My missus only borrows my golf if her cars in the garage...I don't like her driving it! ;D...its too fast for her!😄
She also has 3 points where I have none at the moment
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Do you declare having a fitted tank Daz?
Yes
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They should reward loyalty but they never do....I always renew with another company then cancel the auto renewal.... :)
is that the same loyalty your customers get when their prices go up ?
Thankfully there always seems be an insurance company with a "Brand New Customers Only" deal ;D
Darran
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Both of mine are insured for a total of £360 with all mods declared and off road cover.
I’ve found it easier to stick with the same company but run quotes through the .com every year and get them matched.
Why are your vehicle insurance prices so much cheaper than anybody else's?do you drive old bangers?
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They should reward loyalty but they never do....I always renew with another company then cancel the auto renewal.... :)
is that the same loyalty your customers get when their prices go up ?
Thankfully there always seems be an insurance company with a "Brand New Customers Only" deal ;D
Darran
;D ;D ;D
Prices can't stay the same in regards to window cleaning but with insurance my vehicles are depreciating every year so shouldn't be going up £150 or so every year. ;)
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Peoples windows are depreciating in value every year too. Especially if the cleaner cracks them….
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Both of mine are insured for a total of £360 with all mods declared and off road cover.
I’ve found it easier to stick with the same company but run quotes through the .com every year and get them matched.
Why are your vehicle insurance prices so much cheaper than anybody else's?do you drive old bangers?
I have a couple of Ford Rangers, I'm 54, I'm the sole driver, I have about 500 years NCB on three policies, clean record and I live in the Countryside. I also have an excellent insurance company that actually listens and does a tailor made policy with some reasonably unusual add ons - one being, able to drive across fields and still be covered - a nightmare in the past!
When I bought my second Ranger, the insurers mirrored the NCB from the first policy and then I've gained an additional 35% NCB on the new policy.
It all seems to help.
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Had to take missus off as a named driver due to a no fault claim in November in her Golf (woman opened car door as she was passing) is still unresolved from othe party's insurance. 🤦 Complained for the amount of time it's taken and Admiral gave her £150 cheque but still showing as a claim and unresolved.
If she'd stayed on the van insurance the quote was £965! Took her off and it was £360. :-\
She'll have to drive it 3rd party on her car insurance only in case we need her to in an emergency (and her excuse not to come on the glass with me) 😅
My missus only borrows my golf if her cars in the garage...I don't like her driving it! ;D...its too fast for her!😄
She also has 3 points where I have none at the moment
Calm down, it’s only a GTI or GTD isn’t it?
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WOW! I can't believe you've only just discovered this Daz!😄
The big players have the market tied up. The likes of Direct Line for instance have their top tier brand to capture those who know no better. They then have mid' and lower tier brands to capture the rest. Think of BT/EE/Pusnet, Vodafone/Voxi, 3/Smarty etc etc etc. All operated by the same companies to cover the 'whole' market.
No loyalty required, the chances are you'll still be paying them regardless!!
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They should reward loyalty but they never do....I always renew with another company then cancel the auto renewal.... :)
is that the same loyalty your customers get when their prices go up ?
Thankfully there always seems be an insurance company with a "Brand New Customers Only" deal ;D
Darran
;D ;D ;D
Prices can't stay the same in regards to window cleaning but with insurance my vehicles are depreciating every year so shouldn't be going up £150 or so every year. ;)
If only the insurance was based on your vehicle ::)roll
C'mon you have to play fair - those office bods need a 20% pay rise to cover the cost of living and that bloke who pops by occasionally to clean the windows - my god some years he put the price up twice so he can get in his 3 holidays a year (I mean he is slipping this year by not going 5*) ;D ;D ;D
Darran
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Do you declare having a fitted tank Daz?
Yes
In your Golf?
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They should reward loyalty but they never do....I always renew with another company then cancel the auto renewal.... :)
is that the same loyalty your customers get when their prices go up ?
Thankfully there always seems be an insurance company with a "Brand New Customers Only" deal ;D
Darran
;D ;D ;D
Prices can't stay the same in regards to window cleaning but with insurance my vehicles are depreciating every year so shouldn't be going up £150 or so every year. ;)
If only the insurance was based on your vehicle ::)roll
C'mon you have to play fair - those office bods need a 20% pay rise to cover the cost of living and that bloke who pops by occasionally to clean the windows - my god some years he put the price up twice so he can get in his 3 holidays a year (I mean he is slipping this year by not going 5*) ;D ;D ;D
Darran
Never ever have I put a customers price up twice in the same year....in fact mostly I put mine up every 2 or 3 years.... ;D
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Just had my renewal in:
It's jumped from £360 to £471!
I did have a no fault accident the year before but it does seem rather a lot.
It is for both trucks though.
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What ever you do don’t insure with Hastings direct had a year of hell with them and their claims management company ims
just google the reviews to get a judge of their reputation
London insurance seems to be think of Random number between 750 and a thousand and charge him that and oddly enough insurance clerks are lowest cost and tradesmen are highest because they claim we’re moral risks !!
London is hell at times !!
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My insurers , Swinton , just sent me a letter telling me they will not now insure me with a water tank WTF !
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Just do what 90% on here do don’t declare that you have a tank but swear blind you’ll be fine when you have a crash lol,should get your policy down to about 180 notes.
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Just do what 90% on here do don’t declare that you have a tank but swear blind you’ll be fine when you have a crash lol,should get your policy down to about 180 notes.
Mine was only £178 with the tank and vehicle mods declared anyway :)
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Yeah who was that with then I’d like to see the small print on that.
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Was there a poll I missed to get 90% of non disclosing?
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In 20 years I've still never been asked, nor had included on a list of assumptions anything regarding the carrying of a water tank! My van isn't modified from manufacturer's spec' though. :)
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In 20 years I've still never been asked, nor had included on a list of assumptions anything regarding the carrying of a water tank! My van isn't modified from manufacturer's spec' though. :)
It is if you have a water tank in it , wait until you have an accident the claim will be thrown out
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⬆️ lol well you never asked me do you have any idea how insurance companies work,you need to disclose information of having a modification-bolted down or even worse strapped down tank.
I have tried to get lots of different quotes over the years and some of the above prices are without tank or just saying you’re a cleaning company.
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⬆️ lol well you never asked me do you have any idea how insurance companies work,you need to disclose information of having a modification-bolted down or even worse strapped down tank.
I have tried to get lots of different quotes over the years and some of the above prices are without tank or just saying you’re a cleaning company.
They will always ask is the vehicle modified in any way ? It’s up to you to say yes and declare the modifications, some will charge more and some won’t but providing its in writing you are covered if it’s not you arnt simple as that .
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I know Splash this has been talked about loads of times before complete nonsense there’s only a limited amount of underwriters that will take WFP,they aren’t telling them that they have a tank.
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So, tell me how my vehicle is modified..... in any way please??? ::)roll
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Here we again… Been a while since this last cropped up. Grab the popcorn.
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So, tell me how my vehicle is modified..... in any way please??? ::)roll
If you put alloy wheels on a vehicle and it didn’t come from the factory with them then you have modified it , if you put a tank in a van bolted or strapped in it didn’t come from the factory with it so it’s a modification , it’s that simple .
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Yeah who was that with then I’d like to see the small print on that.
The small print is very thorough and every requirement has been discussed at great length with the broker.
The policy was then built up on these very specific requirements.
The initial setting up of the policy went through four different companies until they found one that was willing to provide the cover needed. I think the first year, when I was 43 was about £550.
11 years ago when I started out with them, just getting tank cover without endless arguments was very difficult. Most insurers wouldn't provide it at all and hardly any would back that up with off road cover.
One company argued that If I ever drove across my field to fill up with water, it would invalidate the entire policy. Getting an insurer that would cover both was initially very tricky.
Gladiator, the broker, eventually found a suitable company and this has changed a few times in the last decade, although as tanks have become more common the number of insurers willing to play ball has opened up considerably.
Current cover is for an unsecured 400 litre tank with all ancillary equipment.
Leather interior, external trim and alloy wheels from a non-poverty spec version.
Off road cover for a variety of applications including use on our land, building sites and solar farms.
The off road cover is still one of the hardest to get as most policies - commercial or private - will not cover you for any off road use whatsoever - worth considering for any of us that regularly work on sites.
Last year it was £178 out of the total £360 policy for both trucks - same company, same level of cover for each truck, myself only to drive, 54, clean licence, second cheapest insurance area in the UK.
Hope that's small printy enough for you.
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Different wheel trims, non factory colour coded bumpers, even signwriting can constitute 'modifications'.
Bottom line is if you have a big accident and god forbid kill someone you can be sure your insurance company will do it's best to find a 'modification'!
There is also the issue of carrying an inadequately secured load! If you are using the factory supplied tie downs to hold your tank in, then the insurance company could say that those fixings are not rated for holding the weight of your tank and water!
If you have it professionally or even diy bolted in then someone had to drill holes through the floor. Therefore the floor isn't as it left the factory so it's modified.
In theory an insurance company might have to prove the 'modification' contributed to an incident but they have lots of expensive lawyers that I doubt we could afford to defend us.
In my opinion insurance companies will use any excuse they can to pay out whether justified or not!
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So, tell me how my vehicle is modified..... in any way please??? ::)roll
If you put alloy wheels on a vehicle and it didn’t come from the factory with them then you have modified it , if you put a tank in a van bolted or strapped in it didn’t come from the factory with it so it’s a modification , it’s that simple .
Ok then, show me any document that states a tank/load carried and strapped in a commercial vehicle using the factory supplied lashing points is regarded as a modification. I bet you a grand you can't. I'll wait here.....
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The modifications bit is interesting.
In the last 20 years dealing with insurance companies, they all seem to be a law unto themselves.
A modification to some is ANYTHING it didn't leave the factory with - even the stereo, different colour valve caps, non-run flat tyres, roof racks, alloys etc.
Others I've dealt with were quite happy to cover alloys or upgraded interiors IF they came from the same vehicle but at a higher spec.
Still others didn't really seem to care less, whatever you'd done.
The golden rule seems to be, make no assumptions, declare everything and if they try and sting you with a ridiculous price increase or ludicrous conditions, then go elsewhere.
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If you can prove to them you take it out every night jobs a good n.
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If you can prove to them you take it out every night jobs a good n.
I'm waiting........ ::)roll
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So, tell me how my vehicle is modified..... in any way please??? ::)roll
If you put alloy wheels on a vehicle and it didn’t come from the factory with them then you have modified it , if you put a tank in a van bolted or strapped in it didn’t come from the factory with it so it’s a modification , it’s that simple .
Ok then, show me any document that states a tank/load carried and strapped in a commercial vehicle using the factory supplied lashing points is regarded as a modification. I bet you a grand you can't. I'll wait here.....
I’ll make it very easy for you ask that to all insurance companies and see what reply you will get , the answer is it’s a modification. And the tie down eyes arnt designed to hold a water tank down , have you looked at the size of the bolts ? Especially in a French vehicle , what you choose to do is up to you of course but should you have an accident then your insurance will be invalid and you could find yourself being sued for many thousands of pounds , if you employ and someone is killed the charge is corporate manslaughter , for the sake of a bit more on the insurance premium it’s got to be worth the knowledge that you are insured. The insurance premium is likely to be less than you earn for one or two days work .
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This is all very dramatic ::)roll
from the past when this subject rages on - my understanding is a strapped down tank does NOT class as a modification - as long as it doesn't overload the vans payload - it is just cargo - no different to 20 barrels of chemical in 25 litre drums etc.. or a cement mixer or a large pallet of books etc..
Bolted in IS a mod - the other thing to consider is self employed Vs employing - as self employed you can do things that a company that employs should not or can not do
Darran
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Still waiting.....😁
I though this would be so easy too- given that every insurance company under the sun demands it!!😂
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This is all very dramatic ::)roll
from the past when this subject rages on - my understanding is a strapped down tank does NOT class as a modification - as long as it doesn't overload the vans payload - it is just cargo - no different to 20 barrels of chemical in 25 litre drums etc.. or a cement mixer or a large pallet of books etc..
Bolted in IS a mod - the other thing to consider is self employed Vs employing - as self employed you can do things that a company that employs should not or can not do
Darran
That was the same argument I used with several insurance companies and failed to get them to see the logic.
Bolted in was a mod - sitting there was an unsecured load.
I asked how this differed from a cement mixer or wheelbarrow and was met with silence and then told it's not the same thing because you can take them out.
I replied that I could take the tank out but was again told it wasn't the same thing.
Most read from a script and lack the power of rational thought, or probably any thought. As far as they're concerned, rules are rules and we're not paying out.
You just keep going until you find a company that's capable of going off script and actually listening to what you're asking.
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If you put a pallet load of bricks in a van then it’s been modified?
My Arse!
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Leave that pallet of bricks in there every day to look at then do you,ring A-Plan explain what you’re looking for with insurance carrying a tank etc for window cleaning and see if you can get a premium for 180 odd notes.
Let me know if they go for that because the conversations I’ve had with them over the years they will owe me a lot of money.
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They love online forms do these insurance companies these days the temptation to leave items out gets the premium so low it’s too tempting,I can see some window cleaners saying I only carry a bucket in the back 🤣🤣.
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So, given that no one, not even our resident expert, seems to be able to provide any evidence of the above, I assume we can take it as nonsense! ;D
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Ok m8 give A Plan a call at Carterton a call tell them what shambles you have in the back of you’re van and see what they say,can’t remember the girl I speak to but I’ve got 5-6 policies with them if you want to know who I deal with let me know and I’ll get you her name later.
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They have about 5-6 insurers they use the cheapest they could get me with tank was about 500,see if they can do better for you.
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With my employee on the policy it’s another 1000.
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Her name is Nikki Chum if you want to go over the legalities of carrying water.
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So, given that no one, not even our resident expert, seems to be able to provide any evidence of the above, I assume we can take it as nonsense! ;D
There is no point in me arguing with you just give the insurance companies a ring and tell them honestly what you are doing and I guarantee not one of them will cover you , if you are afraid to give them your true details then give a false name etc just to get a quote .
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Ring Alexander swan here’s the number
01793616773 ask for Sarah she’s the owner put your questions to her and see what the answer s are
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
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Ok m8 give A Plan a call at Carterton a call tell them what shambles you have in the back of you’re van and see what they say,can’t remember the girl I speak to but I’ve got 5-6 policies with them if you want to know who I deal with let me know and I’ll get you her name later.
🤣🤣🤣🤣 what a plonker!!🤣
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They have about 5-6 insurers they use the cheapest they could get me with tank was about 500,see if they can do better for you.
But your van is modified, mine isn't.
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Ring Alexander swan here’s the number
01793616773 ask for Sarah she’s the owner put your questions to her and see what the answer s are
Why would I? I'm not unsured by Alexander Swan. What I can absolutely assure you is that I am fully insured and nowhere, absolutely nowhere does it state, nor even ask about any load that I carry in my commercial vehicle that's designed to carry loads. The manufacturer even supplies lashing points to secure the load- of which, can legally be up to 1200KG.
Now, if you've drilled through your van floor and hooked brackets around the chassis to secure a permanent fixture within your load area, then that's your issue and indeed, your increased premium for doing so. But please, don't tell me what MY policy states, implies, or assumes as you've never seen it. Alexander Swan is a broker who's majority interest is to make money..... they seem quite good at it too.👍
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
No you ring them so you’ll know for yourself instead of bleating on like a bitch.
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
No you ring them so you’ll know for yourself instead of bleating on like a bitch.
Come on Nige, the mountain of knowledge. Try getting Alexander Swan to state on this forum that a strapped in load amounts to a 'modification' in insurance terms- I'll bet you a grand they won't!! You're getting stitched up like a kipper man!!🤣🤣
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Makes no difference how much I pay m8 as far as our finances compare mine is never running out lol,just ring them yourself instead of trying to wind everyone up.
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Makes no difference how much I pay m8 as far as our finances compare mine is never running out lol,just ring them yourself instead of trying to wind everyone up.
Stop deflecting Nigel, come on, provide this 'industry standard' evidence you claim. Look through your policy, ask AS to provide it here etc. YOU made the claim, not me.
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
My policy includes and is names that I have 1000 ltr system with add on boiler professionally fitted with a fitting certificate that’s recognised by the insurance company , it’s insured on a new for old policy if the vans stolen or burnt out I will get 17k just for the system and current market value for the van .
The other two vans have 600 ltr and 650 ionic thermopures professionally fitted and again new for old policy at the current price to replace them after fire or theft . To be honest it doesn’t pay to lie to the ins urance company as it’s good valid money as far as ime concerned, I also have a policy for a fully kitted out hire van from Alexander swan with a hot system fitted that costs £75 per year and guaranteed delivery to my front door within 24 hours if needed , again very good value for money , I don’t understand why you are so tight fisted about this you must be earning at least £300-450 per day per van so it’s not a lot of money to pay is it ?
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
My police includes and is names that I have 1000 ltr system with add on boiler professionally fitted with a fitting certificate that’s recognised by the insurance company , it’s insured on a new for old policy if the vans stolen or burnt out I will get 17k just for the system and current market value for the van .
The other two vans have 600 ltr and 650 ionic thermopures professionally fitted and again new for old policy at the current price to replace them after fire or theft . To be honest it doesn’t pay to lie to the ins urance company as it’s good valid money as far as ime concerned, I also have a policy for a fully kitted out hire van from Alexander swan with a hot system fitted that costs £75 per year and guaranteed delivery to my front door within 24 hours if needed , again very good value for money , I don’t understand why you are so tight fisted about this you must be earning at least £300-450 per day per van so it’s not a lot of money to pay is it ?
What you on about- tight fisted?🤣🤣
You have little choice, and to be fair, I would also be declaring the modifications you have made had I done the same. Again, YOU have modified your van, I haven't. YOU, nor NWH can back up your claim regarding this. IF you can then please do so, I'd love to see it. As for being 'tight fisted' what a stupid and immature comment!😏
So, either backbup your silly statements or stop talking utter bull poop!😎
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
My police includes and is names that I have 1000 ltr system with add on boiler professionally fitted with a fitting certificate that’s recognised by the insurance company , it’s insured on a new for old policy if the vans stolen or burnt out I will get 17k just for the system and current market value for the van .
The other two vans have 600 ltr and 650 ionic thermopures professionally fitted and again new for old policy at the current price to replace them after fire or theft . To be honest it doesn’t pay to lie to the ins urance company as it’s good valid money as far as ime concerned, I also have a policy for a fully kitted out hire van from Alexander swan with a hot system fitted that costs £75 per year and guaranteed delivery to my front door within 24 hours if needed , again very good value for money , I don’t understand why you are so tight fisted about this you must be earning at least £300-450 per day per van so it’s not a lot of money to pay is it ?
What you on about- tight fisted?🤣🤣
You have little choice, and to be fair, I would also be declaring the modifications you have made had I done the same. Again, YOU have modified your van, I haven't. YOU, nor NWH can back up your claim regarding this. IF you can then please do so, I'd love to see it. As for being 'tight fisted' what a utterly stupid and immature comment!😏
So, either backbup your silly statements or stop talking utter bull poop!😎
Phone any insurance company tell them what you have and what you do they will tell you it’s a modification, I don’t know your exact set up but any water tank in a van is a modification according to all the insurance companies I have spoken to since 2003 when I got my first one , nothing has changed since in fact most are more strict now as they are wise to what ones are doing . As for tight fisted what ime saying is it’s about a days earnings to insure a van with the declared modifications so ime sure you can afford it the only ones that can’t are the ones earning £70-100 per may merchants . My policies state about water tanks I will bet you yours doesn’t say you have a tank in the van ?… so in the event of a serious claim if the van is looked at by an insurance assessor the claim will be thrown out 100% , ime saying this for your advantage so you don’t get caught out ,what you do is up to you but is it worth the risk ? Why do you chose despite what’s being said by ones on hear not to tell your insurance company exactly what you are doing ? I’ll tell you why you don’t as you don’t want to have to pay the correct rate you are trying to insure the vehicle as cheaply as possible , do you have employees driving or travelling in the van ? Again if so and anything untoward happened it’s very serious charges it’s far easier to be honest from the start and declare everything you have nothing to worry about .
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
My police includes and is names that I have 1000 ltr system with add on boiler professionally fitted with a fitting certificate that’s recognised by the insurance company , it’s insured on a new for old policy if the vans stolen or burnt out I will get 17k just for the system and current market value for the van .
The other two vans have 600 ltr and 650 ionic thermopures professionally fitted and again new for old policy at the current price to replace them after fire or theft . To be honest it doesn’t pay to lie to the ins urance company as it’s good valid money as far as ime concerned, I also have a policy for a fully kitted out hire van from Alexander swan with a hot system fitted that costs £75 per year and guaranteed delivery to my front door within 24 hours if needed , again very good value for money , I don’t understand why you are so tight fisted about this you must be earning at least £300-450 per day per van so it’s not a lot of money to pay is it ?
What you on about- tight fisted?🤣🤣
You have little choice, and to be fair, I would also be declaring the modifications you have made had I done the same. Again, YOU have modified your van, I haven't. YOU, nor NWH can back up your claim regarding this. IF you can then please do so, I'd love to see it. As for being 'tight fisted' what a utterly stupid and immature comment!😏
So, either backbup your silly statements or stop talking utter bull poop!😎
Phone any insurance company tell them what you have and what you do they will tell you it’s a modification, I don’t know your exact set up but any water tank in a van is a modification according to all the insurance companies I have spoken to since 2003 when I got my first one , nothing has changed since in fact most are more strict now as they are wise to what ones are doing . As for tight fisted what ime saying is it’s about a days earnings to insure a van with the declared modifications so ime sure you can afford it the only ones that can’t are the ones earning £70-100 per may merchants . My policies state about water tanks I will bet you yours doesn’t say you have a tank in the van ?… so in the event of a serious claim if the van is looked at by an insurance assessor the claim will be thrown out 100% , ime saying this for your advantage so you don’t get caught out ,what you do is up to you but is it worth the risk ? Why do you chose despite what’s being said by ones on hear not to tell your insurance company exactly what you are doing ? I’ll tell you why you don’t as you don’t want to have to pay the correct rate you are trying to insure the vehicle as cheaply as possible , do you have employees driving or travelling in the van ? Again if so and anything untoward happened it’s very serious charges it’s far easier to be honest from the start and declare everything you have nothing to worry about .
🤣🤣🤣
What utter tosh!!🤣🤣
After all this, you still can't provide any written evidence whatsoever to back up your claim. You haven't a clue what you're talking about buddy, you come across as about 13 years old- like NWH. The fact of the matter is you can't stand the fact that you have to pay through the nose for your insurance!😏 Maybe it makes you feel a little better by pretending to be some kind of industry expert talking bollox to an online audience? Telling people who you know nothing about, that they are driving around uninsured without any knowledge of their vehicle or policy. What utter nonsense!
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Listen you are trying to talk to someone that not long ago was trying to save 23 notes 🤣🤣🤣.
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Listen you are trying to talk to someone that not long ago was trying to save 23 notes 🤣🤣🤣.
TIT!
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Yeah you will be driving around without insurance you’re spot on but insurance companies don’t mind they love it,ring Splashes insurance company or A Plan and speak to Nikki.
I’m seriously thinking of just filling in an online form next time and just saying I carry a bucket and hoover,150 notes a year lol.
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I get decent discounts with A Plan I spend a lot of money with them as we have 5-6 policies with them,I still pay 500 + a year with just me full no claims an extra 1000 with my employee.
I told them next time round they better give me 23 notes discount 🤣🤣🤣
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Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?
My police includes and is names that I have 1000 ltr system with add on boiler professionally fitted with a fitting certificate that’s recognised by the insurance company , it’s insured on a new for old policy if the vans stolen or burnt out I will get 17k just for the system and current market value for the van .
The other two vans have 600 ltr and 650 ionic thermopures professionally fitted and again new for old policy at the current price to replace them after fire or theft . To be honest it doesn’t pay to lie to the ins urance company as it’s good valid money as far as ime concerned, I also have a policy for a fully kitted out hire van from Alexander swan with a hot system fitted that costs £75 per year and guaranteed delivery to my front door within 24 hours if needed , again very good value for money , I don’t understand why you are so tight fisted about this you must be earning at least £300-450 per day per van so it’s not a lot of money to pay is it ?
What you on about- tight fisted?🤣🤣
You have little choice, and to be fair, I would also be declaring the modifications you have made had I done the same. Again, YOU have modified your van, I haven't. YOU, nor NWH can back up your claim regarding this. IF you can then please do so, I'd love to see it. As for being 'tight fisted' what a utterly stupid and immature comment!😏
So, either backbup your silly statements or stop talking utter bull poop!😎
Phone any insurance company tell them what you have and what you do they will tell you it’s a modification, I don’t know your exact set up but any water tank in a van is a modification according to all the insurance companies I have spoken to since 2003 when I got my first one , nothing has changed since in fact most are more strict now as they are wise to what ones are doing . As for tight fisted what ime saying is it’s about a days earnings to insure a van with the declared modifications so ime sure you can afford it the only ones that can’t are the ones earning £70-100 per may merchants . My policies state about water tanks I will bet you yours doesn’t say you have a tank in the van ?… so in the event of a serious claim if the van is looked at by an insurance assessor the claim will be thrown out 100% , ime saying this for your advantage so you don’t get caught out ,what you do is up to you but is it worth the risk ? Why do you chose despite what’s being said by ones on hear not to tell your insurance company exactly what you are doing ? I’ll tell you why you don’t as you don’t want to have to pay the correct rate you are trying to insure the vehicle as cheaply as possible , do you have employees driving or travelling in the van ? Again if so and anything untoward happened it’s very serious charges it’s far easier to be honest from the start and declare everything you have nothing to worry about .
🤣🤣🤣
What utter tosh!!🤣🤣
After all this, you still can't provide any written evidence whatsoever to back up your claim. You haven't a clue what you're talking about buddy, you come across as about 13 years old- like NWH. The fact of the matter is you can't stand the fact that you have to pay through the nose for your insurance!😏 Maybe it makes you feel a little better by pretending to be some kind of industry expert talking bollox to an online audience? Telling people who you know nothing about, that they are driving around uninsured without any knowledge of their vehicle or policy. What utter nonsense!
Each persons set up is different, you getting abusive won’t alter anything you need to ring your insurance tell them your set up and ime telling you now they will say you arnt covered , I don’t have any problems with what ime paying for insurance, why are you getting so hot under the collar? You know we are right , ime no insurexpert but have told you what every company I have contacted since 2003 have told me , you just carry on telling yourself you are right I hope you have a nice little accident and then see what happens 😂😂😂😂😂😂
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Strangley, I have a pure freedom bolted in system. I’ve been with the same broker for seventeen years and I think once I was asked who installed the tank.
I pay less than £300 fully comp.
I’ve claimed four times now. Nobody seemed bothered what was in the back at all. Even an insurance assessor wasn’t interested when he visited.
I think Winpro is correct, his van hasn’t been modified at all so no point in declaring that it has.
I would imagine insurance companies will rub their hands together when the word ‘boiler’ reaches their ears.
Love to know how NWH has ‘five or six policies’
How can you not know? Berk
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Thinking back, when my van was in an accident and off the road for repair I was given a hire van. I simply strapped a tank in the back and screwed my pump to the ply and carried on working. Nobody asked what I was going to carry.
One or two on here obviously pay an awful lot more to get there testicles insured.
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I’ve just renewed my policy today.
First time I’ve put my fitted tank on the policy.
Gone up by £204 from original renewal with tank fitted.
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What is the main use for a van - hmmm let me think about it ???
Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof
No waffle or silly posts Nigel REAL FACTS - if you can…
Darran
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Ring A Plan yourself Darren we all know you probably hide a tank underneath all the rubbish in that huge great big Luton type van,by the time the tanks had time to slide up and kill the driver he’s got out and having his breakfast lol.
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If the truth be known there’s so many porkies get told on those online forms it’s a joke,anything to get the price down with some people I only do 10 miles a week I never drive on the motorway and I have a tank I can drag out and bin if I have a smallish bump.
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If the truth be known there’s so many porkies get told on those online forms it’s a joke,anything to get the price down with some people I only do 10 miles a week I never drive on the motorway and I have a tank I can drag out and bin if I have a smallish bump.
I don't think I've ever come across anyone as utterly thick as you before Nigel!🤣
Where's AuRavelling79 when you need him!!!
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Just another insult from you Nigel - nothing new there especially when your in the wrong - yet again
As for lies on this forum you’d better check the mirror…
Darran
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What is the main use for a van - hmmm let me think about it ???
Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof
No waffle or silly posts Nigel REAL FACTS - if you can…
Darran
Every time since 2003 I have phoned multiple . Insurance companies , there first question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles and worse case scenario is it’s corporate man slaughter, would you want to take the risk ?.
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What is the main use for a van - hmmm let me think about it ???
Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof
No waffle or silly posts Nigel REAL FACTS - if you can…
Darran
Every time since 2003 I have phoned multiple . Insurance companies , there first question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles and worse case scenario is it’s corporate man slaughter, would you want to take the risk ?.
You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁
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Sorry mate - you waffle too much, ive been insured via Alex Swan - A-Plan and others over the years both for fleet and on individual basis depending on staff etc..
All tanks are fixed and declared but never asked by any of them to provide a certificate etc....
Now - stop the waffle and paste the relavant line in your insurance policy stating carrying a water tank is a modification - of even an internet web site stating such - you called it - im looking to you to show me - stop telling me to go find it.
Darran
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What is the main use for a van - hmmm let me think about it ???
Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof
No waffle or silly posts Nigel REAL FACTS - if you can…
Darran
Every time since 2003 I have phoned multiple . Insurance companies , there first question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles and worse case scenario is it’s corporate man slaughter, would you want to take the risk ?.
You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁
Ime quite happy with the cover I have thanks and know we are fully covered and nothing to worry about ,
You still haven’t answered a simple question have you informed your insurance company that you have a water tank in your van ? It’s either yes or no , and don’t say it’s not on the forms as it is as soon as you say you are a window cleaner , next question is have you declared you are a window cleaner ? If not this would explain why you haven’t been asked about water tanks .
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I think you need to answer the question posed to you first.....
then Winpro can answer yours......
Darran
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You want to buy you’re policy online well that’s it from me thanks I’ve heard well and truly enough just as I thought going back pages lol,waste of breath.
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What is the main use for a van - hmmm let me think about it ???
Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof
No waffle or silly posts Nigel REAL FACTS - if you can…
Darran
Every time since 2003 I have phoned multiple . Insurance companies , there first question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles and worse case scenario is it’s corporate man slaughter, would you want to take the risk ?.
You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁
Ime quite happy with the cover I have thanks and know we are fully covered and nothing to worry about ,
You still haven’t answered a simple question have you informed your insurance company that you have a water tank in your van ? It’s either yes or no , and don’t say it’s not on the forms as it is as soon as you say you are a window cleaner , next question is have you declared you are a window cleaner ? If not this would explain why you haven’t been asked about water tanks .
Of course I've declared I'm a window cleaner! Your occupation is a standard requirement on every van policy. And no, I still haven't been asked or given the opportunity to state that I carry a water tank. I'm asked if my vehicle is modified (just like every motor vehicle policy requires) to which I correctly answer no, as it's not. Is this ever going to sink in??
So, are you going to phone here, there and everywhere and qualify your claim? Are you going to actually provide some credible evidence that you're not just talking utter rubbish?
P.s. Nigel's just off to be breast fed.
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If the truth be known there’s so many porkies get told on those online forms it’s a joke,anything to get the price down with some people I only do 10 miles a week I never drive on the motorway and I have a tank I can drag out and bin if I have a smallish bump.
I don't think I've ever come across anyone as utterly thick as you before Nigel!🤣
Where's AuRavelling79 when you need him!!!
If you want mod intervention you need to report an issue. Otherwise I (or any other mod) might not notice anything.
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Sorry mate - you waffle too much, ive been insured via Alex Swan - A-Plan and others over the years both for fleet and on individual basis depending on staff etc..
All tanks are fixed and declared but never asked by any of them to provide a certificate etc....
Now - stop the waffle and paste the relavant line in your insurance policy stating carrying a water tank is a modification - of even an internet web site stating such - you called it - im looking to you to show me - stop telling me to go find it.
Darran
It’s written in the policy that the tanks are a declared modification ime not posting it on hear as it has many personal details on the policy , but will contact them today and try and get them to send an email confirming that the tanks are a modification
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Sort of missing the point isn’t it? Winpro doesn’t have his bolted in therefore it’s not a modification.
Yours is bolted in and you’ve declared it a modification.
The argument is where does it say any load is a modification.
Why should a windowclener be penalised for carrying 650kg of water and not a builder carrying 650kg of bricks?
In your argument a windowcleaner will not be insured because he has a tank. So why is a builder insured or anyone who carries pallet loads of heavy items?
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You are actually paying more insurance by making your van safer and you still can’t see how the insurance companies are ripping you off?
You must be as blind as a bat!!!
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Just think ………
If you had a business installing crash tested systems based shall we say somewhere like Swindon and you could convince the insurance companies how dangerous strapped in water tanks might be and how every window cleaner should have a crash tested system.
What a good deal that would be.
Only it doesn’t make sense when other businesses don’t have to do it with their loads.
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I think you need to answer the question posed to you first.....
then Winpro can answer yours......
Darran
I have the email from them and will post it later after I have deleted my personal details from it .
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Sort of missing the point isn’t it? Winpro doesn’t have his bolted in therefore it’s not a modification.
Yours is bolted in and you’ve declared it a modification.
The argument is where does it say any load is a modification.
Why should a windowclener be penalised for carrying 650kg of water and not a builder carrying 650kg of bricks?
In your argument a windowcleaner will not be insured because he has a tank. So why is a builder insured or anyone who carries pallet loads of heavy items?
That's how I see it, legally. However two points.
1. If you fix a reel or a pump then that would be a modification.
2. Although in my case I believe that strapping a full 650L tank to the vans lashing eyes would be legal I wouldn't think it as safe as bolting it in a frame through the floor.
So because I have done this then I need to declare it as a modification.
If I take the risk of strapping my tank to the lashing eyes I still believe the other paraphernalia bolted or screwed in place like a second battery, pole tubes, pumps, reels etc. obligate me to declare those modifications.
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I have two vans, one a windowcleaning van, the other I use as a car.
If I fit racking (as electricians do ) or make a bike rack to bolt inside is that a modification?
In fact ply lining is screwed to the floor and sides but it’s not a modification 🤷♂️
I don’t follow your reasoning Malc, you can strap a tank legally, no modification but if you bolt your reel down it would become an undeclared modification so your insurance wouldn’t be valid.
I need popcorn.
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I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.
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I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.
That’s a statement that doesn’t make any sense ???if a seat belt is fitted it’s a seat and designed as such
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I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.
That’s a statement that doesn’t make any sense ???if a seat belt is fitted it’s a seat and designed as such
🤣🤣🤣
Load area? Lashing points? Purpose of design? Ring any bells?
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I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.
That’s a statement that doesn’t make any sense ???if a seat belt is fitted it’s a seat and designed as such
🤣🤣🤣
Load area? Lashing points? Purpose of design? Ring any bells?
they arnt load rated for a water tank though ask the manufacturer to give you load ratings per fixing , have you ever taken one out and looked at the size of the bolt and how it’s fixed to the floor , I have seen builders vans that have bent the floors up and snapped off the securing eyes to hold down building materials that don’t have inertia like a tank with water in it will , especially in a Renault and Peugeot based vehicles.
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I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.
That’s a statement that doesn’t make any sense ???if a seat belt is fitted it’s a seat and designed as such
🤣🤣🤣
Load area? Lashing points? Purpose of design? Ring any bells?
they arnt load rated for a water tank though ask the manufacturer to give you load ratings per fixing , have you ever taken one out and looked at the size of the bolt and how it’s fixed to the floor , I have seen builders vans that have bent the floors up and snapped off the securing eyes to hold down building materials that don’t have inertia like a tank with water in it will , especially in a Renault and Peugeot based vehicles.
The question isn't about safety, or whether the lashing points are up to the job. Both are irrelevant to this debate. Neither is the fact that 'clearly' having drilled through the van floor and plated or bracketed fixings to secure a permanent tank cage does indeed constitute a 'modification'.
The only debate here is whether a removable tank, held in place by ratchet straps anchored to the factory lashing points..... constitutes a modification from factory spec' in regards to insurance policies. Seen as though 'nothing' has been modified on the vehicle in this situation the answer is NO. Opinions on safety etc are all separate issues.
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If a tank has been strapped then the van hasnt been modified has it - by definiton.
Its carrying a load
Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.
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If a tank has been strapped then the van hasnt been modified has it - by definiton.
Its carrying a load
Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.
See email above
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Ime waiting for a reply winpro 😂😂😂😂
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If a tank has been strapped then the van hasnt been modified has it - by definiton.
Its carrying a load
Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.
See email above
Thye seem to agree with me - its isnt a modification....
I would suggest that line they have put about a strapped tank would be open to debate in a court. When you take out the policy you are asked about modifications, which its clearly not.
Are they suggesting you need to tell them that you will be carrying a load, any load which is what vans are designed to do ? i would say thats b******s. you are carrying a strapped load it makes no difference if its water, bricks, bikes or whatever.
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YAWN
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Yes the email says quite clearly it’s not a modification.
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Yes the email says quite clearly it’s not a modification.
It also says quite clearly it has ti be declared or a claim could be rejected
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If a tank has been strapped then the van hasnt been modified has it - by definiton.
Its carrying a load
Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.
See email above
Thye seem to agree with me - its isnt a modification....
I would suggest that line they have put about a strapped tank would be open to debate in a court. When you take out the policy you are asked about modifications, which its clearly not.
Are they suggesting you need to tell them that you will be carrying a load, any load which is what vans are designed to do ? i would say thats b******s. you are carrying a strapped load it makes no difference if its water, bricks, bikes or whatever.
No idea to be honest just telling you what I have been told in writing and been told verbally by dozens of insurance companies since 2003
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Yes the email says quite clearly it’s not a modification.
It also says quite clearly it has ti be declared or a claim could be rejected
"could" as in its not a modification and doesnt need to be declared but would be looked at in the event of a claim.
And the argument against is im carrying a load which is what a van is designed to do and no where in the policy does it state i cant strap a tank. They have added that bit only because you asked them to simply warn you it "could" be an issue.... i bet it doesnt state it in the policy wording anywhere. Because its made up and doesnt exist.
When i get an online quote i am asked if its modified. No is the correct answer...then i read the policy and nothing in there excluding strapped loads. They cant add a bit on afterwards ::)roll
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Yes the email says quite clearly it’s not a modification.
It also says quite clearly it has ti be declared or a claim could be rejected
"could" as in its not a modification and doesnt need to be declared but would be looked at in the event of a claim.
And the argument against is im carrying a load which is what a van is designed to do and no where in the policy does it state i cant strap a tank. They have added that bit only because you asked them to simply warn you it "could" be an issue.... i bet it doesnt state it in the policy wording anywhere. Because its made up and doesnt exist.
When i get an online quote i am asked if its modified. No is the correct answer...then i read the policy and nothing in there excluding strapped loads. They cant add a bit on afterwards ::)roll
I had this discussion with them they said a builders van transports materials from point a to point b and is then removed from the vehicle a WFP tank is permanently in the van in most cases .
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It’s easy enough Splash you just fill a form in online and just say your a contract cleaner m8,some people just refuse to pay upwards of 500 notes what full insurance cover for 2/3rds of a days pay when we are both on the glass,I think that’s a bargain tbh if you are having to um and ah over a few 100 notes forget worrying about insurance costs I’d be looking to be earning more money.
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The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.
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The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.
Explain how you can bend any truth when you answer every question truthfully? Isn't it time for your breast feed Nigel?
My premium is £203 fully comp, including protected no claims and motor legal protection. It also covers my wife to drive it too.😄😎👌
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Think this thread’s done isn’t it? Each to their own & all that. I’m happy with what I got as are you.
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The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.
Explain how you can bend any truth when you answer every question truthfully? Isn't it time for your breast feed Nigel?
My premium is £203 fully comp, including protected no claims and motor legal protection. It also covers my wife to drive it too.😄😎👌
Premium price will depend on the age of the van , make model, location , is it parked on or off road , age of driver’s , previous claims and a host of other things no two peoples will be the same .
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Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin
The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van
As said earlier it was about modification NOT safety or the tie down capacity etc…
Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people
Darran
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Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin
The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van
As said earlier it was about modification NOT safety or the tie down capacity etc…
Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people
Darran
I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion
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Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin
The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van
As said earlier it was about modification NOT safety or the tie down capacity etc…
Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people
Darran
I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion
ONLY through Alexander Swan doesbthis apply. You are quoting ONE insurance broker- there's thousands of them, both online and off. I actually think AS are being disingenuous here too, regarding the straps.
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Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin
The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van
As said earlier it was about modification NOT safety or the tie down capacity etc…
Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people
Darran
I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion
ONLY through Alexander Swan doesbthis apply. You are quoting ONE insurance broker- there's thousands of them, both online and off. I actually think AS are being disingenuous here too, regarding the straps.
It’s not only them I have spoken to the majority of insurance companies over the years and they have all told me the same thing , Alexander swan are only brokers they don’t set the rules they just find the best prices for each persons needs , I have spoken to A plan , ageas , Allianz , Axa ,and many others all say the same thing . Don’t understand why some seam to get different results?..
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Imagine being that arsed about van insurance that you spend all night arguing with a stranger on the internet…….
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Thread stopped as it has run its course and please also make sure if you post correspondence to yourselves from third parties that they have not asked for it to not be shared with others.