Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: AuRavelling79 on October 16, 2024, 01:44:45 pm
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As many of you are aware there has been a thread which had a discussion about the insurability or otherwise of vans used for window cleaning with water tanks declared as a modification.
Firstly I would like to say that anyone who goes round with a water tank that is not properly secured in a van needs their head examined. At the other end of the scale there are those who will only have a crash-tested system and believe that it will not be possible to get insurance anymore if they are not, which is of course their personal choice.
Secondly I have had a discussion with my son in law Dan the Man about his experience insuring his 500L DiY tank at Alexander Swan which he did on 11th October 2024. He was already a customer and they said that they were no longer insuring tanks above 500L that weren't crash tested. However after his describing how his tank was installed (frame bolted through the floor) they continued his insurance at no extra premium.
Thirdly I have this morning on the basis of finding out about insurance for a possible van purchase and insuring same had discussions with both Howden/A-Plan and Alexander Swan. In the next post I will describe those discussions as I recall them.
I posed the possibility of buying a new van and getting it insured from November the first and I suggested a 2013 Fiat Scudo 2.0JTD as an example.
Stay posted. ;D
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I do wonder if we're over thinking this.
We are carrying cargo. A pallet of sugar or bricks would not need to be crash tested, but would certainly need to be strapped in properly. Badly secured cargo is a motoring offence.
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I do wonder if we're over thinking this.
We are carrying cargo. A pallet of sugar or bricks would not need to be crash tested, but would certainly need to be strapped in properly. Badly secured cargo is a motoring offence.
It was never an issue until window cleaners started hounding insurance providers/brokers to charge them more! They then suffer from buyer justification syndrome!
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My van that I asked for a quotation for was for a 2013 Fiat Scudo 2.0JTD with 80,000 miles. I explained it that I had heard there were issues with DiY systems and insurance.
Alexander Swan
They informed me that they were no longer insuring vans with non-crash tested professionally fitted systems above 500Litres. (He mentioned Ionics of course ;D but also Purefreedom, Grippatank and WCW - I didn't ask whether those firms tanks were all crash tested) They also wanted me to describe how the system would be installed. (I replied with a frame bolted through the floor with plates underneath and 5 tonne lorry loading straps to the frame with the leading edge of the tank against the factory fitted bulkhead)
The gent I was talking to referred to one of the directors who he reported wanted to know if the tank was baffled. I replied it would be a 500L tank Wyedale ( https://www.onlinetankstore.co.uk/product/500-litre-flat-baffled-water-tank/?gad_source=1&gclid=Cj0KCQjwyL24BhCtARIsALo0fSDK2l57iEKvOrOY3K4rkzOSFT1Po1YxgJHli29H_aYb29R0e1FXBMYaAgdgEALw_wcB ) which they describe as Baffled, through which 'hole' the 5 tonne straps would be wound and fastened to the frame.
The chap said that was ok and gave me a quotation. He reiterated that 500L was the maximum tank size.
HOWDEN'S/A-Plan
No problems getting a quote up to 1000litres if it was 'properly secured'. I asked what that meant and was told that I should describe how it was secured which I did. They did say that more of their insurers preferred 500L or 650 as a maximum and that the bigger the tank the more limited the choice of insurer is.
I asked A Plan and AS if they had heard of claims from tanks being inadequately secured and they both said they had heard of one up in the north east but that their company had not brokered the insurance.
AS said they were trying to weed out people putting something like 1000L IBC's in the back of their vans.
A sidenote. Dan the Man was involved in a no fault claim last year which meant he had an Ionics van supplied while he was off the road. He wasn't impressed. He said the system leaked and he had to provide a battery - for which he was reimbursed - for some reason to 'make it work'.
I asked how it was secured and he said it was in a cage which was bolted through the floor but he didn't look underneath. Strangely to my way of thinking the tank wasn't against the bulkhead. (Maybe the strongest points of the floor meant the tank frame couldn't be put against the bulkhead - I don't know?)
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How much weight is on the front axle if you fix it against the bulkhead?
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What rated straps do I need, to secure my pony in the horse van?
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What rated straps do I need, to secure my pony in the horse van?
Only crash tested ionics frames I'm afraid.
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How much weight is on the front axle if you fix it against the bulkhead?
https://www.vanguide.co.uk/guides/van-overloading/#:~:text=Most%20people%20believe,of%20a%20judge!
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What rated straps do I need, to secure my pony in the horse van?
Only crash tested ionics frames I'm afraid.
Trip to Swindon it is then!!!
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How much weight is on the front axle if you fix it against the bulkhead?
https://www.vanguide.co.uk/guides/van-overloading/#:~:text=Most%20people%20believe,of%20a%20judge!
Not up against the bulkhead then! Guess it depends on wheelbase..
That’s why manufacturers install load hooks or tie downs in the load area because they recognise distributing the payload around the van correctly is the key to not overloading your certain axles, so use them as they may save you a big fine and prosecution someday.
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
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How much weight is on the front axle if you fix it against the bulkhead?
https://www.vanguide.co.uk/guides/van-overloading/#:~:text=Most%20people%20believe,of%20a%20judge!
Not up against the bulkhead then! Guess it depends on wheelbase..
That’s why manufacturers install load hooks or tie downs in the load area because they recognise distributing the payload around the van correctly is the key to not overloading your certain axles, so use them as they may save you a big fine and prosecution someday.
Depends on the van, which model length and it's payload too. Also is your tank flat or upright. And do you have two men on board? If your van is RWD then it will have less weight at the front axle than FWD.
If your payload is say 1000 and your tank 500 flat you might have less to worry about then if your payload is 900 and your tank 400 upright.
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
What do you say if the insurer/broker asks you if your van has been modified in any way? Or if you carry a tank?
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How much weight is on the front axle if you fix it against the bulkhead?
https://www.vanguide.co.uk/guides/van-overloading/#:~:text=Most%20people%20believe,of%20a%20judge!
Not up against the bulkhead then! Guess it depends on wheelbase..
That’s why manufacturers install load hooks or tie downs in the load area because they recognise distributing the payload around the van correctly is the key to not overloading your certain axles, so use them as they may save you a big fine and prosecution someday.
Depends on the van, which model length and it's payload too. Also is your tank flat or upright. And do you have two men on board? If your van is RWD then it will have less weight at the front axle than RWD.
If your payload is say 1000 and your tank 500 flat you might have less to worry about then if your payload is 900 and your tank 400 upright.
Yes, you’re correct. A lot to consider. SWB probably up against the bulkhead and then moving further back with vehicle length.
I’ve never tried an upright tank, surely unless it’s against the bulkhead, it’s less stable? Get in the way of the scaff tower too.
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My tank is bolted in, so it's definitely a modification. If it's strapped in, it's cargo, which isn't a modification unless all cargo has to be declared.
That's probably why insurance companies are only interested in professional fitted tanks.
My Grippa tank (crash tested) is center gravity and not up against Bulk head.
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My tank is bolted in, so it's definitely a modification. If it's strapped in, it's cargo, which isn't a modification unless all cargo has to be declared.
That's probably why insurance companies are only interested in professional fitted tanks.
My Grippa tank (crash tested) is center gravity and not up against Bulk head.
How do you arrive at this conclusion? ???
I've just posted that two popular WC van insurer brokers are able to find insurers who are happy insuring DiY water tanks.
;D
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My tank is bolted in, so it's definitely a modification. If it's strapped in, it's cargo, which isn't a modification unless all cargo has to be declared.
That's probably why insurance companies are only interested in professional fitted tanks.
My Grippa tank (crash tested) is center gravity and not up against Bulk head.
How do you arrive at this conclusion? ???
I've just posted that two popular WC van insurer brokers are able to find insurers who are happy insuring DiY water tanks.
;D
It's simply not a modification if using straps like any other heavy cargo, so any van insurance should be fine. I feel we are being taking for mugs within the insurance trade. Probably because we insist it's written into the documents.
Mine is bolted in, so definitely a modification for me anyhow.
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In over 20 years I've never been asked, even once if I carry a water tank!
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In over 20 years I've never been asked, even once if I carry a water tank!
I was asked if the tanks are permanently fixed. They are not.
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
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Do you have to declare every load you take?
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
But your vehicle had been modified from factory spec' had it not? You replaced the eyelets with bolts and spreader plates?
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
Can you provide evidence of this?
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
Can you provide evidence of this?
I had this discussion with several insurance companies years ago , what I have said above is how they described the difference between a load and a permanent fixture , but they also said a strapped in tank wasn’t a modification but it still needed declaring , I did post an email on here a while ago from the insurance company stating this and was told by them to remove it or legal action would be taken against me .
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
So you can't provide any evidence at all?
I'd like you to provide your evidence that carrying a removable load in a unmodified commercial vehicle has to be declared to the insurance company.
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
Can you provide evidence of this?
I had this discussion with several insurance companies years ago , what I have said above is how they described the difference between a load and a permanent fixture , but they also said a strapped in tank wasn’t a modification but it still needed declaring , I did post an email on here a while ago from the insurance company stating this and was told by them to remove it or legal action would be taken against me .
Hearsay. That's all this is.
You were told to remove it because the statement wasn't true! Bet they shat their pants when they seen it uploaded here!😆
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
Sure, the van was less than a year old and had only done 7500 miles. 4.5% was still a wedge.
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
Can you provide evidence of this?
I had this discussion with several insurance companies years ago , what I have said above is how they described the difference between a load and a permanent fixture , but they also said a strapped in tank wasn’t a modification but it still needed declaring , I did post an email on here a while ago from the insurance company stating this and was told by them to remove it or legal action would be taken against me .
Hearsay. That's all this is.
You were told to remove it because the statement wasn't true! Bet they shat their pants when they seen it uploaded here!😆
So how is your tank carried?
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
Did you not say if you wanted to contest it you would have, and you'd be confident of winning?
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I think Winpo you may find you’re not actually insured. It’s not your opinion that counts, it’s the insurers. Not unless you’re prepared to argue in court if ever your insurer wasn’t prepared to pay out. I agree it’s unfair but personally I declare everything as I’m not prepared to take a the chance.
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
Did you not say if you wanted to contest it you would have, and you'd be confident of winning?
I did. I'm a cocky tw@ sometimes.
I couldn't contest it unfortunately.
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
The 4.5% was the shortfall in premium they calculated from not declaring the tank ...
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I think Winpo you may find you’re not actually insured. It’s not your opinion that counts, it’s the insurers. Not unless you’re prepared to argue in court if ever your insurer wasn’t prepared to pay out. I agree it’s unfair but personally I declare everything as I’m not prepared to take a the chance.
Read my post thoroughly and tell me what exactly I need to declare and why. Then, provide the evidence to back up your claim. If it's so true what a handful of people claim, then surely, at least one of you can come up with the goods? No?
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
The 4.5% was the shortfall in premium they calculated from not declaring the tank ...
Not declaring the 'modification' . You 'modified' your van without informing your insurance provider.
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
So you can't provide any evidence at all?
I'd like you to provide your evidence that carrying a removable load in a unmodified commercial vehicle has to be declared to the insurance company.
As I said earlier I did post the email from the insurance company on here and it had to be deleted under GDPR regulations, I still have it somewhere
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So how is your tank carried Winpro?
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So how is your tank carried Winpro?
That's irrelevant. You'll be asking the name of my insurance provider next.😄
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
So you can't provide any evidence at all?
I'd like you to provide your evidence that carrying a removable load in a unmodified commercial vehicle has to be declared to the insurance company.
As I said earlier I did post the email from the insurance company on here and it had to be deleted under GDPR regulations, I still have it somewhere
If their statement was factually correct. On what basis did they claim it had to be removed under GDPR?(http://www.cleanitup.co.uk/smf/1729111483_Screenshot_20241016-213715_Google.png)
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
Sure, the van was less than a year old and had only done 7500 miles. 4.5% was still a wedge.
Reading this it appears you are saying they paid out so much as your van was less than a year old , is that right? I'll see your other replies just the now....... ;D
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So how is your tank carried Winpro?
That's irrelevant. You'll be asking the name of my insurance provider next.😄
Why so coy? If you were sure of your position why wouldn't you say?
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
The 4.5% was the shortfall in premium they calculated from not declaring the tank ...
If thats true, i'm completley amazed. Because insurance cos will usually look to void any policy if its incorrect, or incorrectly been taken out. So to follow what you say .... they paid out on a seemingly invalid policy (you didn't declare a tank) and deducted a tiny percentasge of the claim to you for this minor infraction ? Really ?
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So how is your tank carried Winpro?
That's irrelevant. You'll be asking the name of my insurance provider next.😄
Why so coy?
Because the point being argued is about insurance cover, not safety. I wouldn't argue that a crash tested system is no safer than mine as the chances are it is indeed most probably safer. However, I have no way of actually proving it either way other than logic and common sense.
I do though, know that I am fully insured to drive my van on UK roads for the purpose in which it is used. If, someone else tells me different then all I ask is that they provide evidence and not just hearsay. This argument comes round regularly on here and to date, no one has provided a scrap of factual evidence to back up the claim that I'm not insured or that I need to declare the transporting of a water tank, utilising factory lashing points in an unmodified van. Not even once!
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In over 20 years I've never been asked, even once if I carry a water tank!
I had an incident where there was an argument between a driver and insurance company over the declaration of the tank.
The van was written off and the insurance company only paid partially. 95.5% if I remember right. They could have paid nothing and there isn't much I could have done.
Declare your tanks lads.
They didn't pay 95.5% on a whim.
The 4.5% was the shortfall in premium they calculated from not declaring the tank ...
If thats true, i'm completley amazed. Because insurance cos will usually look to void any policy if its incorrect, or incorrectly been taken out. So to follow what you say .... they paid out on a seemingly invalid policy (you didn't declare a tank) and deducted a tiny percentasge of the claim to you for this minor infraction ? Really ?
Indeed!
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
So you can't provide any evidence at all?
I'd like you to provide your evidence that carrying a removable load in a unmodified commercial vehicle has to be declared to the insurance company.
As I said earlier I did post the email from the insurance company on here and it had to be deleted under GDPR regulations, I still have it somewhere
If their statement was factually correct. On what basis did they claim it had to be removed under GDPR?(http://www.cleanitup.co.uk/smf/1729111483_Screenshot_20241016-213715_Google.png)
The email was sent to me with their and my personal details on it and I put that on a public forum thus sharing a private email in public , at the end of the email it had all this blurb stating it should not be shared when I read all the small print they were right
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This is what the finacial ombasmun says
Did the insurer ask the applicant a clear cut question about the matter which is now under dispute?
Did the applicant’s answer to that clear question influence the insurer’s decision to enter into a contract, or to do so under terms and conditions that would have otherwise not been accepted?
Only if the answers to both questions are ‘yes’ will there be an investigation into whether the applicant’s misrepresentation was an innocent mistake, or a dishonest attempt to mislead. Negligence will also be considered.
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This is what the finacial ombasmun says
Did the insurer ask the applicant a clear cut question about the matter which is now under dispute?
Did the applicant’s answer to that clear question influence the insurer’s decision to enter into a contract, or to do so under terms and conditions that would have otherwise not been accepted?
Only if the answers to both questions are ‘yes’ will there be an investigation into whether the applicant’s misrepresentation was an innocent mistake, or a dishonest attempt to mislead. Negligence will also be considered.
Yep, common sense prevails!
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
Yeah mate, the problem is usually the water (load), which is what they're all on about.
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Google what is classed as a modification on a van. Carrying a tank with water in it doesn't show on anything that comes up.
It's basicly anything you add to the van that hasn't came as factory fitted. So I could see how they could claim bolting the tank so it's permanently attached to the van would be a modification.
If it's not permanently bolted then you would win your case against them if they failed to pay out, as you haven't modified it in anyway. Its a van, which you have already declared you will be using it to carriage own goods.
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Do you have to declare every load you take?
Regardless of how the tank is held in the van it’s not a load , a load is put in the van and then delivered to xxx the tank is usually permanently in the van
And following logic would mean you do not declare until you fill tank up with water ? Or you declare a vehicle modification that has a tank "fitted to it" ? Which one you going with ?
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Google what is classed as a modification on a van. Carrying a tank with water in it doesn't show on anything that comes up.
It's basicly anything you add to the van that hasn't came as factory fitted. So I could see how they could claim bolting the tank so it's permanently attached to the van would be a modification.
If it's not permanently bolted then you would win your case against them if they failed to pay out, as you haven't modified it in anyway. Its a van, which you have already declared you will be using it to carriage own goods.
This is exactly the case and no one on here has ever proven otherwise.
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What is carriage of own goods van insurance?
Carriage of own goods van insurance is a type of business van insurance that covers you for driving your van for business use while carrying the items you need for work.
It's different from other types of insurance such as goods for hire or reward, haulage, and courier cover as it only applies to items you actually own.
This specificity is crucial as it pertains solely to the policyholder's possessions, ensuring that your personal or work-related belongings are covered during transit.
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http://www.cleanitup.co.uk/smf/index.php?topic=224860.msg2164480#msg2164480
Good old Pete Thompson sought to address this and put it to bed with his wisdom in the locked thread now amalgamated to this one.....(Pete likes Ionics).
Here's Ionics crash test videos and info (take a look at them).......
https://www.ionicsystems.com/safety/crash-testing-development/
Each and every video shows a tank that ionics do not provide. They do not provide a flimsy plastic 1000 litre carton that sits in an IBC frame on a pallet. They provide a substantial heavy duty plastic tank more akin to a Wyredale tank (that doesn't flex) .
And unless Ionics have some sort of patent on steel bars, their frame doesn't move to much either . As you'd expect from a steel tank frame.
So whats the "crash tested " bit ?
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So how is your tank carried Winpro?
That's irrelevant. You'll be asking the name of my insurance provider next.😄
Why so coy?
Because the point being argued is about insurance cover, not safety. I wouldn't argue that a crash tested system is no safer than mine as the chances are it is indeed most probably safer. However, I have no way of actually proving it either way other than logic and common sense.
I do though, know that I am fully insured to drive my van on UK roads for the purpose in which it is used. If, someone else tells me different then all I ask is that they provide evidence and not just hearsay. This argument comes round regularly on here and to date, no one has provided a scrap of factual evidence to back up the claim that I'm not insured or that I need to declare the transporting of a water tank, utilising factory lashing points in an unmodified van. Not even once!
Got you. I surmise your tank is secured in the same way as it would be if it were carrying a load of orange juice in an IBC on a pallet which you would then transfer to a customer.
As in it is strapped to the manufacturers load points.
I don't deign to dispute whether what you do is legal.
And you acknowledge this might not be the safest way to carry your water.
Is your van modified to have pumps reels and battery and pole carriers fitted and if so are their fixing points modifications or do they sit on (eg) a wooden frame or ply lining?
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Is your van modified to have pumps reels and battery and pole carriers fitted and if so are their fixing points modifications or do they sit on (eg) a wooden frame or ply lining?
Is the van fitted with racking might be the question ? Dunno , just a guess based on others...........................
I do know i can lift my battery , pump, controller and reel out in one lift................. ok , two i aint that strong. I'll come back for the reel... ;D
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So how is your tank carried Winpro?
That's irrelevant. You'll be asking the name of my insurance provider next.😄
Why so coy?
Because the point being argued is about insurance cover, not safety. I wouldn't argue that a crash tested system is no safer than mine as the chances are it is indeed most probably safer. However, I have no way of actually proving it either way other than logic and common sense.
I do though, know that I am fully insured to drive my van on UK roads for the purpose in which it is used. If, someone else tells me different then all I ask is that they provide evidence and not just hearsay. This argument comes round regularly on here and to date, no one has provided a scrap of factual evidence to back up the claim that I'm not insured or that I need to declare the transporting of a water tank, utilising factory lashing points in an unmodified van. Not even once!
Got you. I surmise your tank is secured in the same way as it would be if it were carrying a load of orange juice in an IBC on a pallet which you would then transfer to a customer.
As in it is strapped to the manufacturers load points.
I don't deign to dispute whether what you do is legal.
And you acknowledge this might not be the safest way to carry your water.
Is your van modified to have pumps reels and battery and pole carriers fitted and if so are their fixing points modifications or do they sit on (eg) a wooden frame or ply lining?
My pump and controller are on a metal plate which is fitted to the ply which covers the wheel arch. Can be removed in minutes as it's all plumbed with pipe and push fit. Pump is powered direct from van battery. DI vessels are up against the tank and are held in place by the pipe and fittings connected to them. The tank is secured to the factory lashing points by straps, up against the bulkhead and blocked against the lower bulkhead
brace pillar, also wedged in place laterally with wooden blocks against
the side door pillars. The tank lid is at the front to allow it to blow off under pressure. Apart from the tank, there is nothing else which is fixed, or secured in place. Even my hose reel is free standing as I lift it out.
In 20 years and a few close shaves, the tank hasn't moved a millimetre! I fully accept responsibility for how my van is set up and have full confidence in it's safety.
Oh, and my tank is a 500ltr 'cube' shaped, baffled wydale.
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Yee-haw Cowboy!!🤣🤣🤣
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I don't think they are saying that anyone who fits their own system cant do it safely and possibly better that a professional company, but insurance companies possibly would only insure vans with systems fitted by a company.
I was talking to a women last week she works for an insurance company, if you tell them your car is parked off road they now ask for a photo of your car parked on the drive because people were telling them they have off street parking to get cheaper insurance when they dont. she also said things like dash cams, mobile phone holders that are hard wired into the cars need to be declared as classed as a modification to the car. so I suppose if your system is hard wired to your van battery then you would need to declare it whether its bolted down or tied down with string. she said that if not declared then your insurance wont cover you.
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I don't think they are saying that anyone who fits their own system cant do it safely and possibly better that a professional company, but insurance companies possibly would only insure vans with systems fitted by a company.
I was talking to a women last week she works for an insurance company, if you tell them your car is parked off road they now ask for a photo of your car parked on the drive because people were telling them they have off street parking to get cheaper insurance when they dont. she also said things like dash cams, mobile phone holders that are hard wired into the cars need to be declared as classed as a modification to the car. so I suppose if your system is hard wired to your van battery then you would need to declare it whether its bolted down or tied down with string. she said that if not declared then your insurance wont cover you.
Oh dear 🥱
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Yee-haw Cowboy!!🤣🤣🤣
Fully insured cowboy, please.🤨
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I have to say that from your description Winpro it is true that you don't have a van modification in regard to your water tank.
Is it a Wyedale with baffle holes with the straps through these? And what are those straps?
When I had my prang I had a Vivaro as a loan vehicle in which DtM fitted into my van my tank strapped to the load points and bits of wood wedged in between the wheel arches and tank to hold a pump battery and reel. Poles went down the side of the tank.
I ran that for a fortnight. But didn't fill beyond about 350L.
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I have to say that from your description Winpro it is true that you don't have a van modification in regard to your water tank.
Is it a Wyedale with baffle holes with the straps through these? And what are those straps?
When I had my prang I had a Vivaro as a loan vehicle in which DtM fitted into my van my tank strapped to the load points and bits of wood wedged in between the wheel arches and tank to hold a pump battery and reel. Poles went down the side of the tank.
I ran that for a fortnight. But didn't fill beyond about 350L.
Yes, the baffle hole is used but in addition to this there are two separate straps around the tank and a second set of straps are attached to these also. It's a 500ltr wydale 'cube shape'.
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In over 20 years I've never been asked, even once if I carry a water tank!
It’s your responsibility to declare it not for them to ask , have a look in the small print of your policy .
Can you provide evidence of this?
In over 20 years,I've never been asked, never appeared in the list of assumptions nor had it presented to me to declare that I carry a water tank. It's never appeared in any small print either. All questions are answered fully and correctly including my occupation as a self employed window cleaner. However, my van isn't 'modified' . The factory spec' remains intact and my tank is removable.
Just to add to the annoyance, my policy is less than £200 per year fully comp!
What do you suggest I do, phone them up and give them a list of reasons why I think they should be charging me Four times what they currently are?🤔
All insurance companies state it’s your responsibility to declare anything that the vehicle didn’t leave the factory with , might be stupid but that’s the legal requirement, not all things will be charged extra on a premium but they want to know it has xyz .
So you can't provide any evidence at all?
I'd like you to provide your evidence that carrying a removable load in a unmodified commercial vehicle has to be declared to the insurance company.
As I said earlier I did post the email from the insurance company on here and it had to be deleted under GDPR regulations, I still have it somewhere
If their statement was factually correct. On what basis did they claim it had to be removed under GDPR?(http://www.cleanitup.co.uk/smf/1729111483_Screenshot_20241016-213715_Google.png)
Breach of confidentiality it was between me and them only , the small print dies say that it’s not to be shared
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I think Winpo you may find you’re not actually insured. It’s not your opinion that counts, it’s the insurers. Not unless you’re prepared to argue in court if ever your insurer wasn’t prepared to pay out. I agree it’s unfair but personally I declare everything as I’m not prepared to take a the chance.
It's not actually the insurers either, the finacial ombasmun has final say if there's a grievance, and by what thete website states, they wouldn't have a leg to stand on if they didn't pay out.
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Insurance brokers are like any other sales person. If you're zipped up the back, then that's on you!
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You crack on guys. Do what you want.
I’m with Alexander Swan. I tell them I got a tank in each van, I pay the money & I know 100% I’m insured. And I get on with my life never worrying about it😎
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You crack on guys. Do what you want.
I’m with Alexander Swan. I tell them I got a tank in each van, I pay the money & I know 100% I’m insured. And I get on with my life never worrying about it😎
Same here, but with another provider. I don't need to tell them what I carry, and they never asked. I just pay a lot less as I'm not burdened with a premium for modifying my van and I too know that I'm 100% insured!😎👌
Happy days, horses for courses.
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🤣🤣🤣
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🤣🤣🤣
Not sure which is funnier- your 'Buyer's Stockholm Syndrome' or you actually being happy about getting ripped off!🤔🤣🤣
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You crack on guys. Do what you want.
I’m with Alexander Swan. I tell them I got a tank in each van, I pay the money & I know 100% I’m insured. And I get on with my life never worrying about it😎
Same here, but with another provider. I don't need to tell them what I carry, and they never asked. I just pay a lot less as I'm not burdened with a premium for modifying my van and I too know that I'm 100% insured!😎👌
Happy days, horses for courses.
I wrote of a van in within the last couple of years and got paid out, even though i had a tank in the van.
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Funny how these threads become lively at times.
After dealing with my insurance last couple of weeks yes I heard from few brokers that diy tanks are becoming less desirable to insure. Bottom line anything that’s bolted or added must be disclosed or your should ask them if in doubt. Four insurance companies declined to cover dc to dc charger when it was declared as accessory which falls outside of standard list they have.
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Funny how these threads become lively at times.
After dealing with my insurance last couple of weeks yes I heard from few brokers that diy tanks are becoming less desirable to insure. Bottom line anything that’s bolted or added must be disclosed or your should ask them if in doubt. Four insurance companies declined to cover dc to dc charger when it was declared as accessory which falls outside of standard list they have.
And that's it in a nutshell. It's quite simple to understand. This is about the only thing me & Simon have differing opinions on, 90% of the time we seem to be in complete harmony!😄
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We’ll agree to disagree on this one Winpro👍I’m out now.
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
What do you say if the insurer/broker asks you if your van has been modified in any way? Or if you carry a tank?
I always do my quotes on the comparison sites and do you carry a water tank isn't a question they ask.
As for modifications I just say no simple.
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
What do you say if the insurer/broker asks you if your van has been modified in any way? Or if you carry a tank?
I always do my quotes on the comparison sites and do you carry a water tank isn't a question they ask.
As for modifications I just say no simple.
So your tank is carried similarly to Winpro's?
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
What do you say if the insurer/broker asks you if your van has been modified in any way? Or if you carry a tank?
I always do my quotes on the comparison sites and do you carry a water tank isn't a question they ask.
As for modifications I just say no simple.
If they ever ask .. "what speed do you potter about town at"... DO NOT say 40mph.
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Ive never told an insurance company i carry a tank and never plan to. Its a van designed to carry a load, my tank is as secure as i can make it. Not worth worrying about, personally i only ever potter about town at max 40 mph. Only time i go on the motorway would be at a weekend with an empty tank....
What do you say if the insurer/broker asks you if your van has been modified in any way? Or if you carry a tank?
I always do my quotes on the comparison sites and do you carry a water tank isn't a question they ask.
As for modifications I just say no simple.
If they ever ask .. "what speed do you potter about town at"... DO NOT say 40mph.
According to my vans dash over the last two thousand miles when i reset it my average speed is showing as poxy 12mph! so i guess thats my true pottering about average.
Hitting 40 would be a rare thing with a fully loaded tank.
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Ooh err (https://www.dropbox.com/scl/fi/dvn9dl6ee6ci6ffpdmtox/Photo-18-10-2024-18-23-28.webp?rlkey=tmm4mho4jrzg0ya8p0oazxtfs&st=1y2rdswp&raw=1)
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Each commercial van on the road performs a specific purpose and many are fitted to provide specific industrial functions. This is why commercial van insurance will always be specific to you.
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If some people are so sure that having a water tank in the van does not need to be declared because it will not affect any insurance claim why not declare it anyway.....after all you know it won't affect any claim or affect your premiums because it's not a modification is it?
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If some people are so sure that having a water tank in the van does not need to be declared because it will not affect any insurance claim why not declare it anyway.....after all you know it won't affect any claim or affect your premiums because it's not a modification is it?
Because there is no way of 'declaring' it. It doesn't appear in any of the questions or assumptions. My van isn't modified from factory spec' so there's literally nothing for me to 'declare'. Do you think I should call them up every time I carry Two passengers just because the van has Three seats?
Are you seriously suggesting giving the insurance company a reason, (that they've already deemed not relevant enough to ask anyway) to increase the premium? No wonder these brokers are taking the p#ss out of some you!🤔🤣🤣
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It has a tank fitted that's a mod even if removable....so is a ladder rack....why not declare it as a mod and let them decide if it's a mod or not not you........after all if you're are so sure it isn't then it should not be a problem......not telling something because it is not asked specifically is not an excuse.
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It has a tank fitted that's a mod even if removable....so is a ladder rack....why not declare it as a mod and let them decide if it's a mod or not not you........after all if you're are so sure it isn't then it should not be a problem......not telling something because it is not asked specifically is not an excuse.
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
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It has a tank fitted that's a mod even if removable....so is a ladder rack....why not declare it as a mod and let them decide if it's a mod or not not you........after all if you're are so sure it isn't then it should not be a problem......not telling something because it is not asked specifically is not an excuse.
I challenge you to back that up with evidence. If you're so sure, then it'll be easy for you to do this. I, on the other hand will guarantee that you can't.👍
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It has a tank fitted that's a mod even if removable....so is a ladder rack....why not declare it as a mod and let them decide if it's a mod or not not you........after all if you're are so sure it isn't then it should not be a problem......not telling something because it is not asked specifically is not an excuse.
I challenge you to back that up with evidence. If you're so sure, then it'll be easy for you to do this. I, on the other hand will guarantee that you can't.👍
Do you employ staff ?
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So let me get this straight....you are deciding for the insurance company whether your van is modified or not rather than asking.......think you are avoiding the real answer.........are your anchor points even rated for the sort of weight a crash at speed with say 500 litres of water would exert on them?
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Think you have ostrich syndrome......nobody on here needs to prove anything to you.....you are the one disputing it so you prove your side....the fact you don't mention it to insurers is a big tell.
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So let me get this straight....you are deciding for the insurance company whether your van is modified or not rather than asking.......think you are avoiding the real answer.........are your anchor points even rated for the sort of weight a crash at speed with say 500 litres of water would exert on them?
The safety issue is irrelevant here. Ionics crash tested systems are only tested to 31mph, so at 32mph you are driving an untested death trap!
Now, back on track. You tell me how my van is modified in the eyes of a commercial vehicle insurance provider and then provide the evidence to back it up. Should be easy for an expert like yourself. I'll be here waiting.
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Think you have ostrich syndrome......nobody on here needs to prove anything to you.....you are the one disputing it so you prove your side....the fact you don't mention it to insurers is a big tell.
I'm disputing nothing you moron! I absolutely know that I am correct!🤣 Read the thread. YOU are telling me that my van is modified in the eyes of every insurance provider and thus I am uninsured. So, provide the evidence or you're just talking absolute boll@x like some others here. The fact that you can't do this is the bigger tell.
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
Ok then, prove that claim, or stop spreading false information Splash. If you took the time to read the thread you would help yourself not look so silly!
So, either provide the evidence or stop talking utter nonsense!🥱
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Why should you declare something that isn't a modification?
Putting a tank in your van isn't any more a modification than putting my bike in is.
If the van hasnt been modified then what is there to declare.
Hang on I will ring my insurance tomorrow to see if they want to stick a few hundred quid on my policy....I'm sure they will only be too happy to oblige.
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Why should you declare something that isn't a modification?
Putting a tank in you van isn't any more a modification than putting my bike in is.
If the van hasnt been modified then what is there to declare.
Hang on I will ring my insurance tomorrow to see if they want to stick a few hundred quid on my policy....I'm sure they will only be too happy to oblige.
Spot on!
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
Ok then, prove that claim, or stop spreading false information Splash. If you took the time to read the thread you would help yourself not look so silly!
So, either provide the evidence or stop talking utter nonsense!🥱
I have the evidence in email form but as I said before I can’t post it as I did before and it had to be taken down as they were going to take legal action under GDPR regulation s .
All insurance companies that I have spoken to have said it has to be declared depending how it’s held in the van it will be a modification or it might not be a modification but still needs declaring some will charge more for it and some won’t it just needs to be included on the policy that’s what they are saying . Ime not interested in an argument ime just stating the facts from several insurance companies just as others have done , if you chose not to tell your insurance company that’s your choice I just hope you don’t employ and the employee has an accident that’s all .
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Personally I feel safer bolting my tank in through a frame rather than sitting it on a pallet and strapping it to the loading points.
Therefore I have modified my van and need to declare as such.
Having said that, I understand that putting a tank on a pallet and strapping it down with cargo straps - as long as it is filled within payload and axle weight is no different to carrying a tank of orange juice between the Um Bongo factory and Tesco.
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
Ok then, prove that claim, or stop spreading false information Splash. If you took the time to read the thread you would help yourself not look so silly!
So, either provide the evidence or stop talking utter nonsense!🥱
I have the evidence in email form but as I said before I can’t post it as I did before and it had to be taken down as they were going to take legal action under GDPR regulation s .
All insurance companies that I have spoken to have said it has to be declared depending how it’s held in the van it will be a modification or it might not be a modification but still needs declaring some will charge more for it and some won’t it just needs to be included on the policy that’s what they are saying . Ime not interested in an argument ime just stating the facts from several insurance companies just as others have done , if you chose not to tell your insurance company that’s your choice I just hope you don’t employ and the employee has an accident that’s all .
Well there you go. My insurance provider, clearly isn't one that you have 'spoken' to. The email you refer to is the opinion of the broker based only on the providers that they deal with, and that's all it is.
I challenge you to find just ONE example from Google, regarding van modifications, that would deem my installation as a modification. Just one.
The truth is, a bolted-in tank is classed as s modification- because you have changed the van from as it was supplied in factory spec (obviously). I secure my tank by the method described earlier and I have NOT modified my van from factory spec. So, find an example where my installation would be classed as a vehicle modification and post it up here. This doesn't include what your broker says- it's their job to increase your premium as they'll work on a percentage of the premium. Or, even better, get your broker to contribute to this thread- they'll poop their pants at the prospect of being exposed!!
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
Ok then, prove that claim, or stop spreading false information Splash. If you took the time to read the thread you would help yourself not look so silly!
So, either provide the evidence or stop talking utter nonsense!🥱
I have the evidence in email form but as I said before I can’t post it as I did before and it had to be taken down as they were going to take legal action under GDPR regulation s .
All insurance companies that I have spoken to have said it has to be declared depending how it’s held in the van it will be a modification or it might not be a modification but still needs declaring some will charge more for it and some won’t it just needs to be included on the policy that’s what they are saying . Ime not interested in an argument ime just stating the facts from several insurance companies just as others have done , if you chose not to tell your insurance company that’s your choice I just hope you don’t employ and the employee has an accident that’s all .
Well there you go. My insurance provider, clearly isn't one that you have 'spoken' to. The email you refer to is the opinion of the broker based only on the providers that they deal with, and that's all it is.
I challenge you to find just ONE example from Google, regarding van modifications, that would deem my installation as a modification. Just one.
The truth is, a bolted-in tank is classed as s modification- because you have changed the van from as it was supplied in factory spec (obviously). I secure my tank by the method described earlier and I have NOT modified my van from factory spec. So, find an example where my installation would be classed as a vehicle modification and post it up here. This doesn't include what your broker says- it's their job to increase your premium as they'll work on a percentage of the premium. Or, even better, get your broker to contribute to this thread- they'll poop their pants at the prospect of being exposed!!
Here you go the first insurance broker I came up with on Google (http://www.cleanitup.co.uk/smf/1729439827_IMG_0412.jpeg)(http://www.cleanitup.co.uk/smf/1729439827_IMG_0413.jpeg)
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Like I said I don't need to prove anything........but the first thing they asked after I told them I was a WFP window cleaner was do you have a water tank in your van....they also said it doesn't matter whether it is fixed or strapped it needs to be declared.....this was A Swann on phone..............you seem very reluctant to declare it and yet insist you are insured so prove it.....it should be easy with a phone call.
Alexander Swan🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I rest my case!
You're an idiot buddy, not sure if you're drunk or not but either prove your point or stop making yourself look utterly stupid by spreading false information!🥱
It’s not false information what he’s saying is right , tanks should be declared regardless of how they are secured , some firms will charge more others won’t , why are you so afraid to declare it ?
Ok then, prove that claim, or stop spreading false information Splash. If you took the time to read the thread you would help yourself not look so silly!
So, either provide the evidence or stop talking utter nonsense!🥱
I have the evidence in email form but as I said before I can’t post it as I did before and it had to be taken down as they were going to take legal action under GDPR regulation s .
All insurance companies that I have spoken to have said it has to be declared depending how it’s held in the van it will be a modification or it might not be a modification but still needs declaring some will charge more for it and some won’t it just needs to be included on the policy that’s what they are saying . Ime not interested in an argument ime just stating the facts from several insurance companies just as others have done , if you chose not to tell your insurance company that’s your choice I just hope you don’t employ and the employee has an accident that’s all .
Well there you go. My insurance provider, clearly isn't one that you have 'spoken' to. The email you refer to is the opinion of the broker based only on the providers that they deal with, and that's all it is.
I challenge you to find just ONE example from Google, regarding van modifications, that would deem my installation as a modification. Just one.
The truth is, a bolted-in tank is classed as s modification- because you have changed the van from as it was supplied in factory spec (obviously). I secure my tank by the method described earlier and I have NOT modified my van from factory spec. So, find an example where my installation would be classed as a vehicle modification and post it up here. This doesn't include what your broker says- it's their job to increase your premium as they'll work on a percentage of the premium. Or, even better, get your broker to contribute to this thread- they'll poop their pants at the prospect of being exposed!!
Here you go the first insurance broker I came up with on Google (http://www.cleanitup.co.uk/smf/1729439827_IMG_0412.jpeg)(http://www.cleanitup.co.uk/smf/1729439827_IMG_0413.jpeg)
What's that got to do with the question I asked you? It states nothing. It's a statement written in the style of a mechanic sucking through his teeth! Expand the boxes and lets see the finer detail.
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
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Yes but that above is clearly targetting window cleaners trying to sell them a policy so they may indeed try to convince you what you need to declare.
When i get a quote i do it online via the comparison sites and answer all the questions truthfully. Since "Do you carry a water tank" isnt one of them and i havent modified my van theres absoloutely no need to mention it imo.
But ultimately who cares, we can all do as we please, drive carefully with a full tank and lets hope none of us ever needs to find out the hard way.
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
No need, just provide the evidence of what you are claiming. Why don't you phone your provider tomorrow and ask them to prepare a statement of fact that you can share here. Surely they wouldn't mind. Surely, if every provider deems my set up as a modification, then the evidence should be very easy to come by?
We're Six pages in and still not one person can show any evidence, whatsoever, where any insurance company would class my set up as a modification to the vehicle... not one!
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
No need, just provide the evidence of what you are claiming. Why don't you phone your provider tomorrow and ask them to prepare a statement of fact that you can share here. Surely they wouldn't mind. Surely, if every provider deems my set up as a modification, then the evidence should be very easy to come by?
We're Six pages in and still not one person can show any evidence, whatsoever, where any insurance company would class my set up as a modification to the vehicle... not one!
Stop deflecting the question who do you use for your insurance it’s a simple enough question, I will phone them tomorrow and get a quote , why are you afraid to give this information? I know why so do you and so does everyone else .
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
No need, just provide the evidence of what you are claiming. Why don't you phone your provider tomorrow and ask them to prepare a statement of fact that you can share here. Surely they wouldn't mind. Surely, if every provider deems my set up as a modification, then the evidence should be very easy to come by?
We're Six pages in and still not one person can show any evidence, whatsoever, where any insurance company would class my set up as a modification to the vehicle... not one!
Stop deflecting the question who do you use for your insurance it’s a simple enough question, I will phone them tomorrow and get a quote , why are you afraid to give this information? I know why so do you and so does everyone else .
You're still here talking nonsense?
Any evidence yet?🥱🥱
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
No need, just provide the evidence of what you are claiming. Why don't you phone your provider tomorrow and ask them to prepare a statement of fact that you can share here. Surely they wouldn't mind. Surely, if every provider deems my set up as a modification, then the evidence should be very easy to come by?
We're Six pages in and still not one person can show any evidence, whatsoever, where any insurance company would class my set up as a modification to the vehicle... not one!
Stop deflecting the question who do you use for your insurance it’s a simple enough question, I will phone them tomorrow and get a quote , why are you afraid to give this information? I know why so do you and so does everyone else .
You're still here talking nonsense?
Any evidence yet?🥱🥱
I have a statement from my insurance provider , but am always happy to speak to others that may do things differently, so who is your insurance with ? So I can get a quote
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
So as you are far more intelligent than the rest of us enlighten us with your insurance provider so we can get a quote , but you won’t will you as you know we are right
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All their statements refer to modifications of the van. They're telling you nothing beyond what's already been established on this thread.
Ok let’s put it another way then , I have all my vans due for insurance in November and December give me your insurance company or brokers details and I’ll get some quotes from them and we will see what they ask and what they say is a modification or needs declaring I can’t be fairer than that
No need, just provide the evidence of what you are claiming. Why don't you phone your provider tomorrow and ask them to prepare a statement of fact that you can share here. Surely they wouldn't mind. Surely, if every provider deems my set up as a modification, then the evidence should be very easy to come by?
We're Six pages in and still not one person can show any evidence, whatsoever, where any insurance company would class my set up as a modification to the vehicle... not one!
Stop deflecting the question who do you use for your insurance it’s a simple enough question, I will phone them tomorrow and get a quote , why are you afraid to give this information? I know why so do you and so does everyone else .
You're still here talking nonsense?
Any evidence yet?🥱🥱
I have a statement from my insurance provider , but am always happy to speak to others that may do things differently, so who is your insurance with ? So I can get a quote
I completely wrote off a van last year, completely my fault for the accident. Van was in some mess. Tank didn't move an inch. Insurance paid out in full with no mention of tank in the back. I don't think you can get much more proof than that.
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
So as you are far more intelligent than the rest of us enlighten us with your insurance provider so we can get a quote , but you won’t will you as you know we are right
Dude, I don't need to. I know exactly what my contract with my provider is. I know exactly their entire criteria which must be met in order to benefit from the cover. I know that I am fully insured with commercial use as a window cleaner- it's all on my policy documents. I know for absolute sure that my vehicle isn't classed as modified- because it's not. So, I know what I'm saying is true and factual.
You, on the other hand refute all that. The other moron claims to know that I'm not even covered!😆
So, in my eyes, it's completely up to you to prove what you are claiming as factual for the entire UK commercial vehicle insurance industry! So instead of talking complete boll@x, either grow up or show the good people of this forum some evidence on which your claims are based! It's as simple as that dude, and you, nor anyone else here can do just that! Stop spreading baseless, false information and claiming regurgitated hearsay as fact.
-
Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
So as you are far more intelligent than the rest of us enlighten us with your insurance provider so we can get a quote , but you won’t will you as you know we are right
Dude, I don't need to. I know exactly what my contract with my provider is. I know exactly their entire criteria which must be met in order to benefit from the cover. I know that I am fully insured with commercial use as a window cleaner- it's all on my policy documents. I know for absolute sure that my vehicle isn't classed as modified- because it's not. So, I know what I'm saying is true and factual.
You, on the other hand refute all that. The other moron claims to know that I'm not even covered!😆
So, in my eyes, it's completely up to you to prove what you are claiming as factual for the entire UK commercial vehicle insurance industry! So instead of talking complete boll@x, either grow up or show the good people of this forum some evidence on which your claims are based! It's as simple as that dude, and you, nor anyone else here can do just that! Stop spreading baseless, false information and claiming regurgitated hearsay as fact.
You provide the evidence that you claim to have then , who are you insured with come on name the company so that the rest of us Neanderthal s can benefit from your skills at something that we can’t do .
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
So as you are far more intelligent than the rest of us enlighten us with your insurance provider so we can get a quote , but you won’t will you as you know we are right
Dude, I don't need to. I know exactly what my contract with my provider is. I know exactly their entire criteria which must be met in order to benefit from the cover. I know that I am fully insured with commercial use as a window cleaner- it's all on my policy documents. I know for absolute sure that my vehicle isn't classed as modified- because it's not. So, I know what I'm saying is true and factual.
You, on the other hand refute all that. The other moron claims to know that I'm not even covered!😆
So, in my eyes, it's completely up to you to prove what you are claiming as factual for the entire UK commercial vehicle insurance industry! So instead of talking complete boll@x, either grow up or show the good people of this forum some evidence on which your claims are based! It's as simple as that dude, and you, nor anyone else here can do just that! Stop spreading baseless, false information and claiming regurgitated hearsay as fact.
You provide the evidence that you claim to have then , who are you insured with come on name the company so that the rest of us Neanderthal s can benefit from your skills at something that we can’t do .
Wow, what a complete muppet!🤣🤣
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Insurance companies are happy to sell you insurance but wait till you try and claim. If you have not declared a strap down tank then your policy is null and void. Then there will be repercussions because you were driving without legal insurance. Its not worth trying to save a few bob by being naïve, better to get all the details out and know you will be fully insured.
Ok then, provide the evidence for this. Prove your statement. I GUARANTEE YOU NOW THAT YOU CAN'T!
Geeze, can't believe how utterly thick some grown adults really are!😆
Please, please, someone provide the evidence to clarify this utter nonsense.... Or just shut up and stop talking utter rubbish for the sake of talking..... Utter rubbish!🥱🥱
So as you are far more intelligent than the rest of us enlighten us with your insurance provider so we can get a quote , but you won’t will you as you know we are right
Dude, I don't need to. I know exactly what my contract with my provider is. I know exactly their entire criteria which must be met in order to benefit from the cover. I know that I am fully insured with commercial use as a window cleaner- it's all on my policy documents. I know for absolute sure that my vehicle isn't classed as modified- because it's not. So, I know what I'm saying is true and factual.
You, on the other hand refute all that. The other moron claims to know that I'm not even covered!😆
So, in my eyes, it's completely up to you to prove what you are claiming as factual for the entire UK commercial vehicle insurance industry! So instead of talking complete boll@x, either grow up or show the good people of this forum some evidence on which your claims are based! It's as simple as that dude, and you, nor anyone else here can do just that! Stop spreading baseless, false information and claiming regurgitated hearsay as fact.
You provide the evidence that you claim to have then , who are you insured with come on name the company so that the rest of us Neanderthal s can benefit from your skills at something that we can’t do .
Wow, what a complete muppet!🤣🤣
Is that the best you can come up with , name your insurance provider and finish this debate then
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Mods, please make this stop.
I’m going giddy
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Name your insurance provider then......that will prove everything........you're backing yourself into a corner if not........my previous
provider last year sent me my quote but underlined in the quote was the fact that "we no longer provide cover for vehicles with water tanks fitted"....that's why I went A Swann.
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Name your insurance provider then......that will prove everything........you're backing yourself into a corner if not........my previous
provider last year sent me my quote but underlined in the quote was the fact that "we no longer provide cover for vehicles with water tanks fitted"....that's why I went A Swann.
You're having a laugh, yeah?
There's no way on earth I'm giving you that information and anyone with half ounce of brain would know why!
Again, it's you and the other morons who claim that you know that I'm not insured. That's some mind-bendingly stupid claim given that you know absolutely nothing about me or my provider!🤣
So, once again- either throw up some kind of evidence, anything, for the 'whole of market' that backs up your ridiculous, naive statements or stop spreading miss-information. I've already guaranteed that you can't.... And so far I'm absolutely 100% correct. This is being proven with every stupid post you make. You're currently a proven liar unless you can do this, it's clear you're talking out of your ar§e! The only person backed into a corner here is you and the other muppets- Scottish something and Splash.🤣🤣🤣🤣🤣
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
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Name your insurance provider then......that will prove everything........you're backing yourself into a corner if not........my previous
provider last year sent me my quote but underlined in the quote was the fact that "we no longer provide cover for vehicles with water tanks fitted"....that's why I went A Swann.
Fitted.
Is a water tank on a pallet, strapped down to the manufacturer's strapping points 'fitted'?
'Carried' is another thing.
Remember, I come from a point of believing that a tank is better to be fixed more securely than using solely the manufacturers tie down points.
But I see the point about the van not being modified if it doesn't have a tank and or frame bolted down.
And that it is legal if as such it is within payload as per manufacturers instructions.
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However, if this discussion cannot be had without a lack of civility I shall lock it.
Please discuss without name calling.
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
So name your insurance provider then it’s a reasonable request
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I just wanna know how much it costs to insure a Porsche.
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I just wanna know how much it costs to insure a Porsche.
It’s quite reasonable actually, it’s done through a specialist company performance direct .co.uk give them a try they are very competitive
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I just wanna know how much it costs to insure a Porsche.
It’s quite reasonable actually, it’s done through a specialist company performance direct .co.uk give them a try they are very competitive
Is this from your personal experience or your customer's?
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I just wanna know how much it costs to insure a Porsche.
It’s quite reasonable actually, it’s done through a specialist company performance direct .co.uk give them a try they are very competitive
Is this from your personal experience or your customer's?
Jealousy will get you no ware 😂😂😂😂
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
So name your insurance provider then it’s a reasonable request
Ok, I'll tell you what, I will.
When you can substantiate your claims, when you can provide even a scrap of evidence which shows that every UK commercial vehicle insurance provider would universally class the carrying of my water tank and how it's held in place for transport, as a vehicle modification then I'll provide you with my insurance details.
Not only that, I'll also give you my policy number, name and address. Debit and Credit cards- with their corresponding pin numbers. I'll sign my house over to you and all my vehicles. I'll give you every penny and asset that I own! I'll even let you keep the photos of someone else's Porsche!
That's how confident I am about how utterly ridiculous and false, both yours and the others claims are!
7 or 8 pages in and still, no one can substantiate any of the said statements! No one, not even a single scrap of anything remotely meaningful. At this point, I am still 100% correct and not a single contributor can challenge it with the above.
So, instead of deflecting, again, just come back with some tangible evidence of it. Until such a point, dream on!🤣
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
So name your insurance provider then it’s a reasonable request
Ok, I'll tell you what, I will.
When you can substantiate your claims, when you can provide even a scrap of evidence which shows that every UK commercial vehicle insurance provider would universally class the carrying of my water tank and how it's held in place for transport, as a vehicle modification then I'll provide you with my insurance details.
Not only that, I'll also give you my policy number, name and address. Debit and Credit cards- with their corresponding pin numbers. I'll sign my house over to you and all my vehicles. I'll give you every penny and asset that I own! I'll even let you keep the photos of someone else's Porsche!
That's how confident I am about how utterly ridiculous and false, both yours and the others claims are!
7 or 8 pages in and still, no one can substantiate any of the said statements! No one, not even a single scrap of anything remotely meaningful. At this point, I am still 100% correct and not a single contributor can challenge it with the above.
So, instead of deflecting, again, just come back with some tangible evidence of it. Until such a point, dream on!🤣
Yet again you are mis quoting what I have said I said the tank needs to be declared it might be a modification with some company’s and it might not be with others , read the posts accurately.
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I just wanna know how much it costs to insure a Porsche.
£270 😁
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
So name your insurance provider then it’s a reasonable request
Ok, I'll tell you what, I will.
When you can substantiate your claims, when you can provide even a scrap of evidence which shows that every UK commercial vehicle insurance provider would universally class the carrying of my water tank and how it's held in place for transport, as a vehicle modification then I'll provide you with my insurance details.
Not only that, I'll also give you my policy number, name and address. Debit and Credit cards- with their corresponding pin numbers. I'll sign my house over to you and all my vehicles. I'll give you every penny and asset that I own! I'll even let you keep the photos of someone else's Porsche!
That's how confident I am about how utterly ridiculous and false, both yours and the others claims are!
7 or 8 pages in and still, no one can substantiate any of the said statements! No one, not even a single scrap of anything remotely meaningful. At this point, I am still 100% correct and not a single contributor can challenge it with the above.
So, instead of deflecting, again, just come back with some tangible evidence of it. Until such a point, dream on!🤣
Yet again you are mis quoting what I have said I said the tank needs to be declared it might be a modification with some company’s and it might not be with others , read the posts accurately.
Why does it need to be declared if the vehicle carrying it is not modified?
If the provider asks whether you carry a water tank then you should answer truthfully.
If the provider asks if you have a fitted water tank then you should answer truthfully.
This thread started because it was asserted that DiY fitted tanks were not going to be allowed by insurers.
I prefer to fit and declare my tank. But if insurers start disallowing DiY tanks then in my semi retired position I would consider putting a (say) 350 tank strapped down as cargo on a pallet instead of my fitted 650.
But my van has eight D rings as standard and a bulkhead, has a 1080kg payload limit and I don't employ.
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I just wanna know how much it costs to insure a Porsche.
It’s quite reasonable actually, it’s done through a specialist company performance direct .co.uk give them a try they are very competitive
Is this from your personal experience or your customer's?
Jealousy will get you no ware 😂😂😂😂
You got caught out so do one Billy.
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Supplying your insurance provider is perfectly safe we don’t know who you are , ware you live or your vehicle details we just would like to know who it is to see if what you are saying is factual and get a quote hardly black helicopter stuff . You sound like you suffer from ocd and paranoia
I have never said you aren’t insured but you could have problems if making a claim and the tanks not declared simple as that .
I know that I won't have problems making a claim. Why do think I would? You have made some ridiculous claims Splash... Utterly ridiculous!🤣🤣
So name your insurance provider then it’s a reasonable request
Ok, I'll tell you what, I will.
When you can substantiate your claims, when you can provide even a scrap of evidence which shows that every UK commercial vehicle insurance provider would universally class the carrying of my water tank and how it's held in place for transport, as a vehicle modification then I'll provide you with my insurance details.
Not only that, I'll also give you my policy number, name and address. Debit and Credit cards- with their corresponding pin numbers. I'll sign my house over to you and all my vehicles. I'll give you every penny and asset that I own! I'll even let you keep the photos of someone else's Porsche!
That's how confident I am about how utterly ridiculous and false, both yours and the others claims are!
7 or 8 pages in and still, no one can substantiate any of the said statements! No one, not even a single scrap of anything remotely meaningful. At this point, I am still 100% correct and not a single contributor can challenge it with the above.
So, instead of deflecting, again, just come back with some tangible evidence of it. Until such a point, dream on!🤣
Yet again you are mis quoting what I have said I said the tank needs to be declared it might be a modification with some company’s and it might not be with others , read the posts accurately.
The tank doesn't have to be declared, as stated, I wrote of a van last year, no tank was declared to insurance at point of sale. The tank wasn't even mentioned after the crash by them, they paid out in full.
I'm not sure what more evidence is needed than that on this subject.
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I think the truth has been established in regards to this matter.👍
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I appreciate I'm not a van driver but both of my Ford Rangers are insured with Gladiator for around £250 each.
Neither tank is secured in the bed but simply occupies the space as per cargo.
Gladiator have been aware of this for over a decade and it hasn't been an issue.
Other mods are declared and off road cover is included.
Some insurance companies in the past have had an issue and through Gladiator I've switched underwriters a few times but for the last decade at least it's not been a problem.
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FFS splash - stop trying to be a clever c@@t - actually listen to what's being said
A strapped down tank is NOT a modification - you and I bolt ours in thats a modification - can you see the difference
AND
to remind you when you last entered on this subject and posted a reply from your broker it clearly said a strapped in tank is not a modification but they advise to declare it
(hedging their bets and bumping up premiums of course)
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Who cares?I don't.
Please Malc lock this thread it's getting ridiculous now.What a waste of time and energy arguing over what WC declares his tank or not.
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Who cares?I don't.
Please Malc lock this thread it's getting ridiculous now.What a waste of time and energy arguing over what WC declares his tank or not.
Most window cleaners do care. The discussion isn't a waste of time if a window cleaner wants to benefit from others experience.
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FFS splash - stop trying to be a clever c@@t - actually listen to what's being said
A strapped down tank is NOT a modification - you and I bolt ours in thats a modification - can you see the difference
AND
to remind you when you last entered on this subject and posted a reply from your broker it clearly said a strapped in tank is not a modification but they advise to declare it
(hedging their bets and bumping up premiums of course)
Re read what I have posted I said it’s NOT A MODIFICATION BUT NEEDS DECLARING PUT YOU GLASSES ON .
I also agree it doesn’t make sense having to declare it but that’s what every company I have spoken to have said .
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FFS splash - stop trying to be a clever c@@t - actually listen to what's being said
A strapped down tank is NOT a modification - you and I bolt ours in thats a modification - can you see the difference
AND
to remind you when you last entered on this subject and posted a reply from your broker it clearly said a strapped in tank is not a modification but they advise to declare it
(hedging their bets and bumping up premiums of course)
Re read what I have posted I said it’s NOT A MODIFICATION BUT NEEDS DECLARING PUT YOU GLASSES ON .
I also agree it doesn’t make sense having to declare it but that’s what every company I have spoken to have said .
Why does it need declaring if it's not a modification? Would you declare carrying anything else- a fridge, bricks, bags of plaster, radiators? Of course not because it's a commercial vehicle designed with the purpose of carrying loads. A water tank with baffles is clearly designed to transport water - hence the baffles. There is no reason to declare it unless the provider 'specifically' presents the question. And in 20 years I've never come across a single one that has!
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FFS splash - stop trying to be a clever c@@t - actually listen to what's being said
A strapped down tank is NOT a modification - you and I bolt ours in thats a modification - can you see the difference
AND
to remind you when you last entered on this subject and posted a reply from your broker it clearly said a strapped in tank is not a modification but they advise to declare it
(hedging their bets and bumping up premiums of course)
Re read what I have posted I said it’s NOT A MODIFICATION BUT NEEDS DECLARING PUT YOU GLASSES ON .
I also agree it doesn’t make sense having to declare it but that’s what every company I have spoken to have said .
Why does it need declaring if it's not a modification? Would you declare carrying anything else- a fridge, bricks, bags of plaster, radiators? Of course not because it's a commercial vehicle designed with the purpose of carrying loads. A water tank with baffles is clearly designed to transport water - hence the baffles. There is no reason to declare it unless the provider 'specifically' presents the question. And in 20 years I've never come across a single one that has!
I agree it doesn’t make sense but that’s what they say ,a family member is a joiner and carpenter and on his van Insurance has had to say what kit he carries , power tools hand tools timber windows ,doors etc . My next door neighbour is a plumber and again they wanted a list of stuff he carries in the van , and the stuff he carries isn’t insured but they want to know what’s in the van as it can increase the likelihood of it being broken into which in turn will increase the premium , that’s why they want to know . My vans are due for insurance renewal in November, December , and march I have already got the renewal invitation through and again it states quite clearly any water tank has to be declare,it doesn’t differentiate between bolted in or strapped in , and it states clearly the email must not be shared or I would post it on here but last time got in a lot of trouble for doing so , but perhaps smudger can remember it and what it said ? As he did read it at the time .
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It doesn't need declared ffs, when in a hole, it's better to stop digging than keep going even though you know your wrong too.
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It doesn't need declared ffs, when in a hole, it's better to stop digging than keep going even though you know your wrong too.
That’s not what the insurance company’s state in there blurb I posted it on hear a while ago and I still have the email from them and have had another one stating exactly the same just a few days ago , I agree it doesn’t make sense but this is from two different companies
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My brother works in insurance and they are a law unto their own. Two Semi bungalows down south, one had insurance the other had no insurance. The one that had insurance, thatch roof caught fire and both burned to the ground. I expected the one with insurance would pay out and rebuild both homes. No, they only built the one that had insurance the old woman in the other ended up homeless. The neighbours all chipped in and bought her a portacabin which sits where her home once stood. Now, everyone on here will say that's not right But its the way insurance works, they have their own laws.
What I'm getting at is this :- They like to take money but only query things when they have to pay out. If they can find a loop hole in our insurance then they will not pay out. So when you take insurance, you better tell them everything you are using the van for or it might come back to haunt you like the old woman who once had a thatch semi bungalow. fwiw
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My brother works in insurance and they are a law unto their own. Two Semi bungalows down south, one had insurance the other had no insurance. The one that had insurance, thatch roof caught fire and both burned to the ground. I expected the one with insurance would pay out and rebuild both homes. No, they only built the one that had insurance the old woman in the other ended up homeless. The neighbours all chipped in and bought her a portacabin which sits where her home once stood. Now, everyone on here will say that's not right But its the way insurance works, they have their own laws.
What I'm getting at is this :- They like to take money but only query things when they have to pay out. If they can find a loop hole in our insurance then they will not pay out. So when you take insurance, you better tell them everything you are using the van for or it might come back to haunt you like the old woman who once had a thatch semi bungalow. fwiw
Ok, thanks for that. I'll phone them up tomorrow and tell them that I transport a water tank in my unmodified van......because some old
woman's house burned down! It gets better this thread!🤣🤣🤣🤣
My Porkie detector has now gone nuclear!!🤣
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Ok, thanks for that. I'll phone them up tomorrow and tell them that I transport a water tank in my unmodified van......because some old
woman's house burned down! It gets better this thread!🤣🤣🤣🤣
My Porkie detector has now gone nuclear!!🤣
I understand it sounds crazy but read the link and then come back laughing.
https://www.bbc.co.uk/news/business-17403527
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Ok, thanks for that. I'll phone them up tomorrow and tell them that I transport a water tank in my unmodified van......because some old
woman's house burned down! It gets better this thread!🤣🤣🤣🤣
My Porkie detector has now gone nuclear!!🤣
I understand it sounds crazy but read the link and then come back laughing.
https://www.bbc.co.uk/news/business-17403527
The point being, what has this case got to do with this thread? The woman wasn't even insured to begin with. Did you honestly believe that next doors insurance would pay her out?🫣
You're still talking nonsense.
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https://www.admiral.com/van-insurance/modified
Scroll down to the 20 most popular van modifications.
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https://www.admiral.com/van-insurance/modified
Scroll down to the 20 most popular van modifications.
And? It says water tank. That's it. I can assure you it will refer to a installation that modifies the van i.e. bolting through the floor, using spreader plates etc. this is blatantly obvious when you see the other 'modifications'.
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It doesn't need declared ffs, when in a hole, it's better to stop digging than keep going even though you know your wrong too.
That’s not what the insurance company’s state in there blurb I posted it on hear a while ago and I still have the email from them and have had another one stating exactly the same just a few days ago , I agree it doesn’t make sense but this is from two different companies
Well are to explain how I got paid out in full when my vehicle was written off ?.
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https://www.admiral.com/van-insurance/modified
Scroll down to the 20 most popular van modifications.
And? It says water tank. That's it. I can assure you it will refer to a installation that modifies the van i.e. bolting through the floor, using spreader plates etc. this is blatantly obvious when you see the other 'modifications'.
Alot of clutching at straws here instead of just holding up there hands and say that they are wrong.
We all get it wrong at some point. It's no big deal,
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Just a bit of a grey area. Some window cleaners don’t mind taking the chance, others aren’t prepared to.
I think we really are done on this now aren’t we?
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Just a bit of a grey area. Some window cleaners don’t mind taking the chance, others aren’t prepared to.
I think we really are done on this now aren’t we?
I'd say it's more black and white. Modified or unmodified- it's as simple as that. A strapped in tank using the manufacturers lashing points is not a modification. Using a cage, frame etc. bolted through the floor is modification. There's nothing grey here!👍
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There are other window cleaning forums but only ciu can produce threads like this, absolute drivel back and forth, 8 pages in keep it going chaps.
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I did ask 'popcorn anyone?' on page two of the original thread that's now locked ;D
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I did ask 'popcorn anyone?' on page two of the original thread that's now locked ;D
🤣🤣
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There are other window cleaning forums but only ciu can produce threads like this, absolute drivel back and forth, 8 pages in keep it going chaps.
That's because CIU is the best and most informative and engaging window cleaning forum on the planet.
;D
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Thread resurrected ... Title modified.
Pick through this for some useful information.
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Thread resurrected ... Title modified.
Pick through this for some useful information.
Be sure to recognise 'factual' information from hearsay and made up nonsense though.😉😄
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And we’re off again…🤣
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And we’re off again…🤣
Hope so.
If it's true (this time) that Alexander Swan are no longer insuring non crash tested systems then it's good to get an up to date picture of the facts.
Personally, if true I hope they lose out big time.
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And we’re off again…🤣
Hope so.
If it's true (this time) that Alexander Swan are no longer insuring non crash tested systems then it's good to get an up to date picture of the facts.
Personally, if true I hope they lose out big time.
Yes it is the case they are no longer insuring non crash tested systems I have just renewed all my vans insurance and had the same email , it appears many other ins companies are going the same was as Alexander swan are a broker and deal with lots of companies they said due to a number of fatal accidents with strapped in tanks and diy systems that many insurance companies will not cover them . Ang yet again they stated that strapped in tanks MUST BE DECLARED, due to this being a hot topic on here I explained what’s been said and they clearly stated regardless of the company you are insured with all tanks must be declared or you could find that you aren’t coverd in the event of an accident.
So I decided to phone around a bit spoke to Aplan, Ageas gladiator , Zurich and all stated the same not declaring a tank your cover would be null and void , before ones start getting up in arms ime just repeating what they have said it’s not my thoughts but the insurance company’s themselves not the brokers . Zurich said in the future all water tanks will have to be professionally fitted and a certificate given to the owner that he can then provide to the insurance company to prove it’s safe . If this isn’t done you won’t be able ti get cover . I asked about strapped in tanks and carriage of goods so it doesn’t need declaring, the reply to that was a builder will put a pallet of bricks or what ever in the van and take it to site and unload it that’s carriage of goods , a water tank that’s in the van every day is not carriage of goods it’s a permanent thing , they are definitely tightening up on this as they have been caught out a few times the case in teeside was mentioned as a test case . Again ime only repeating what I have been told by several insurance companies so don’t shoot the messenger.
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A number of fatal accidents? I’ve never heard of any. Not that I work in insurance though, obviously.
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A number of fatal accidents? I’ve never heard of any. Not that I work in insurance though, obviously.
There have been several , google Teesside window cleaners death this one was recent and has attracted much publicity especially in the insurance world . Spruce knows all the details well as it’s in his area .
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
Read my post again accurately this time ITS THE INSURANCE COMPANIES SAYING THIS NOT THE BROKERS THE BROKERS ARE JUST AGENTS FOR THE INSURANCE COMPANIES AND THEY DONT SET THE RULES .
So I will ask you again who is your insurance company ?
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
Read my post again accurately this time ITS THE INSURANCE COMPANIES SAYING THIS NOT THE BROKERS THE BROKERS ARE JUST AGENTS FOR THE INSURANCE COMPANIES AND THEY DONT SET THE RULES .
So I will ask you again who is your insurance company ?
So which insurance company/underwriter have you taken direct advice from?
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As already mentioned it's not AS fault they are the broker and if the insurance groups are going down this road then all will eventually follow wouldn't you think? where will this eventually lead for window cleaners, all DIY non crash tested systems having to be chopped up for scrap and a brand new insurance compliant purchased from the top four WFP system suppliers . Great news for the top four , even the used systems they sell will sky rocket in price just because it's crash test compliant. You can't beat the system ::)roll
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
Read my post again accurately this time ITS THE INSURANCE COMPANIES SAYING THIS NOT THE BROKERS THE BROKERS ARE JUST AGENTS FOR THE INSURANCE COMPANIES AND THEY DONT SET THE RULES .
So I will ask you again who is your insurance company ?
So which insurance company/underwriter have you taken direct advice from?
Yet again read my original post I have named several of them
Again who is your insurance provider just name the company it’s not a difficult question
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As already mentioned it's not AS fault they are the broker and if the insurance groups are going down this road then all will eventually follow wouldn't you think? where will this eventually lead for window cleaners, all DIY non crash tested systems having to be chopped up for scrap and a brand new insurance compliant purchased from the top four WFP system suppliers . Great news for the top four , even the used systems they sell will sky rocket in price just because it's crash test compliant. You can't beat the system ::)roll
Yes I think this is the way it will go ,not saying it’s right but it’s being led by the insurance companies and there is very little we can do about it , obviously they have had a few very expensive claims ware ones have been killed and are looking to prevent more claims
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I think window cleaning suppliers are making alot of dough nowadays, I wonder if some of them wrote letters to insurance companies.
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
Did you mention the tank?
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Pay the money boys and stop moaning! AS talking rubbish as usual. How do I know? Because I renewed my van just the other day, answered every question truthfully, read all t&c's, read all assumptions, declared my occupation and got insured without a single issue. Less than £200 too. That's fact, not fiction!😎💪
Did you mention the tank?
Didn't have the option to, it doesn't appear in the initial question options, nor the small print, nor the assumptions. With my van NOT being modified and neither coming under their 'examples' of modifications then there is both neither a reason, nor opportunity to mention a tank.
You would think, given the hype, that after what? 25 years of wfp in the UK this would now be standard information requested by every insurance broker, supplier and underwriter rather than just Five that Splash mentions.🤔
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The builder who transports and uses the bricks is the same as the water that I transport and use?
I know, you can’t beat the system.
Might change the company to handyman services 😀😀
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The builder who transports and uses the bricks is the same as the water that I transport and use?
I know, you can’t beat the system.
Might change the company to handyman services 😀😀
I do agree there is a lot of anomalies,but ime just saying what the actual insurance companies are saying they always alter the rules to suit themselves.
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. Great news for the top four , even the used systems they sell will sky rocket in price just because it's crash test
“Top four”?
1-Ionic Systems
2-Pure2o (also Ionic)
3-Grippatank (used to be crash simulated, not tested, don’t know if it still is)
And who else?
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. Great news for the top four , even the used systems they sell will sky rocket in price just because it's crash test
“Top four”?
1-Ionic Systems
2-Pure2o (also Ionic)
3-Grippatank (used to be crash simulated, not tested, don’t know if it still is)
And who else?
Pure freedom I think . Grippatank’s is crash tested
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I wonder if I buy a new van, would I need Oliver to swap the system over? I reckon I would need the paper work if I had an accident and I swapped it over myself, interesting.
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I wonder if I buy a new van, would I need Oliver to swap the system over? I reckon I would need the paper work if I had an accident and I swapped it over myself, interesting.
Just ask Oliver, he’s your buddy after all isn’t he?
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Pure freedom I think . Grippatank’s is crash tested
I remember seeing a crash test (by which I mean a van with a Pure Freedom system crashing into a concrete block) by Pure Freedom on YouTube many years ago, but they never mentioned it on their website and the video cut off half way through, and there was no other information about it.
I thought Pure Freedom didn’t exist anymore having been absorbed into Window Cleaning Warehouse, though I do see they are claiming “crash tested” on the systems. Still no video or certification though. Personally I don’t think I would trust that without seeing the certification from whatever lab they are claiming their crash test was done.
And Grippatank systems are not “crash tested” they are “crash simulated” which is a significant difference.
A crash test is where you “crash” the vehicle. It is literally driven remotely at speed and “crashed” into a solid object to see how it performs. This was done by Ionic (of which you can see a plethora of videos) and Pure Freedom, (though I can’t find that video anywhere, but I definitely remember seeing it.)
Grippatank performed a Sled Test on their system, where the system is stationary on a movable ‘sled’ and a piston impacts the sled at a known speed.
This has the effect of SIMULATING a crash. But it is NOT a crash, since the vehicle has not been crashed. This is a a ‘crash simulation’.
(Interestingly, Ionic did several of these ‘crash simulations’ using sled tests before they performed the full crash-test as a way to develop their system).
These simulations are worthwhile, certainly better than nothing, but there’s a good reason that only actual crash TESTS are acceptable for standards such as Euro NCAP, because you only know how something is going to perform in a crash by actually crashing it, not just simulating it.
This distinction might become important if insurers decide only to cover “crash TESTED” systems.
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I just saw the insurance thread (that spawned this one) and it looks like Alexander Swan are treating ionic (and pure2o), brodex, Grippatank, pure freedom, streamline and the cleaning warehouse (whoever they are) as all crash tested.
That is interesting.
And as for Alexander Swan “losing out”, they are only losing out on customers they don’t want, so I don’t think they’re bothered.
For me, if this action will prevent me having to pay more in insurance to cover those who are being dangerous, it’s all good.
It didn’t take me long to decide on Ionics, not only because it was clearly the best, but because it was so obviously safer.
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I just saw the insurance thread (that spawned this one) and it looks like Alexander Swan are treating ionic (and pure2o), brodex, Grippatank, pure freedom, streamline and the cleaning warehouse (whoever they are) as all crash tested.
That is interesting.
And as for Alexander Swan “losing out”, they are only losing out on customers they don’t want, so I don’t think they’re bothered.
For me, if this action will prevent me having to pay more in insurance to cover those who are being dangerous, it’s all good.
It didn’t take me long to decide on Ionics, not only because it was clearly the best, but because it was so obviously safer.
Who are the customers they don’t want?
As a broker they get a commission from each sale and have admin to do on every policy they have placed, whether it’s claimed upon or not. (More admin if there is a claim)
The fact it is a DIY fitted system does not mean it’s business they don’t want, it’s the underwriters that don’t want anything other that what they to perceive as crash tested systems
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Pure freedom I think . Grippatank’s is crash tested
I remember seeing a crash test (by which I mean a van with a Pure Freedom system crashing into a concrete block) by Pure Freedom on YouTube many years ago, but they never mentioned it on their website and the video cut off half way through, and there was no other information about it.
I thought Pure Freedom didn’t exist anymore having been absorbed into Window Cleaning Warehouse, though I do see they are claiming “crash tested” on the systems. Still no video or certification though. Personally I don’t think I would trust that without seeing the certification from whatever lab they are claiming their crash test was done.
And Grippatank systems are not “crash tested” they are “crash simulated” which is a significant difference.
A crash test is where you “crash” the vehicle. It is literally driven remotely at speed and “crashed” into a solid object to see how it performs. This was done by Ionic (of which you can see a plethora of videos) and Pure Freedom, (though I can’t find that video anywhere, but I definitely remember seeing it.)
Grippatank performed a Sled Test on their system, where the system is stationary on a movable ‘sled’ and a piston impacts the sled at a known speed.
This has the effect of SIMULATING a crash. But it is NOT a crash, since the vehicle has not been crashed. This is a a ‘crash simulation’.
(Interestingly, Ionic did several of these ‘crash simulations’ using sled tests before they performed the full crash-test as a way to develop their system).
These simulations are worthwhile, certainly better than nothing, but there’s a good reason that only actual crash TESTS are acceptable for standards such as Euro NCAP, because you only know how something is going to perform in a crash by actually crashing it, not just simulating it.
This distinction might become important if insurers decide only to cover “crash TESTED” systems.
I certainly don’t want to be recommending them in any way but there website clearly states it’s crash tested see below , are you saying this is false advertising ? (http://www.cleanitup.co.uk/smf/1733677103_IMG_0450.jpeg)
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as for Alexander Swan “losing out”, they are only losing out on customers they don’t want, so I don’t think they’re bothered.
For me, if this action will prevent me having to pay more in insurance to cover those who are being dangerous, it’s all good.
It didn’t take me long to decide on Ionics, not only because it was clearly the best, but because it was so obviously safer.
Who are the customers they don’t want?
As a broker they get a commission from each sale and have admin to do on every policy they have placed, whether it’s claimed upon or not. (More admin if there is a claim)
The fact it is a DIY fitted system does not mean it’s business they don’t want, it’s the underwriters that don’t want anything other that what they to perceive as crash tested systems
That's true, but the underwriters decide what rates the broker will pay based on the portfolio of customers they bring to them.
It could be that the underwriters have simply said "No untested systems" in which case brokers like Alexander Swan have no choice.
Or it may be that covering non-tested systems bumps up the price they pay to such a degree that AS are better off without it. Maybe they can make the same money (or more money) charging crash-tested systems owners only than having the risky non-tested system dragging up rates for their whole portfolio.
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I certainly don’t want to be recommending them in any way but there website clearly states it’s crash tested see below , are you saying this is false advertising ?
No, I'm not saying that, because I don't personally know what testing they have and have not done. For all I know, they may have done an actual "Crash" test with the vehicle crashing into a barrier, but have (for some reason) not publicised it.
I also do not know what the legal definition of 'false advertising' is, or how anyone would prove it. I do though, think, a competitor could possibly challenge the claim.
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I certainly don’t want to be recommending them in any way but there website clearly states it’s crash tested see below , are you saying this is false advertising ?
No, I'm not saying that, because I don't personally know what testing they have and have not done. For all I know, they may have done an actual "Crash" test with the vehicle crashing into a barrier, but have (for some reason) not publicised it.
I also do not know what the legal definition of 'false advertising' is, or how anyone would prove it. I do though, think, a competitor could possibly challenge the claim.
This might be useful again from their website (http://www.cleanitup.co.uk/smf/1733684522_IMG_0451.jpeg)