Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: JandS on December 06, 2024, 04:56:27 pm
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Van insurance due 02/01/2025.....Alexander Swann just rung me to say they cannot renew my policy because they now only insure vans with crash tested systems fitted......be aware.
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Not many makes have been crash tested. Luckily I have an Ionics tank in my van but insurance companies are getting ridiculous over the slightest modifications going and I fear it will only get worse, cash revenue springs to mind by these greedy insurance companies.
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Here's the e mail summary.
Good Morning
Your renewal for your Commercial Vehicle, Legal Expenses is due on 2nd January 2025.
Unfortunately, we are unable to offer renewal terms this year. This is because our panel of insurers are declining DIY systems that are not crash tested.
Please find below the crash tested systems that are accepted:
Ionic Systems / Pure2o – Crash tested to FMVSS-208 Certification
Brodex – Crash tested to Mira Standard
Purefreedom – Crash tested to Mira Standard
Streamline – Smartank only Crash tested to Mira Standard
Grippatank – Crash tested to Mira Standard
The Cleaning Warehouse – Crash tested to Mira Standard
If we can be of any assistance with any further insurance such as household, liability or if you acquire one of the above systems please get in contact.
If you have any questions regarding this, please don’t hesitate to contact me.
To discuss this further, or if you have any additional queries, please don't hesitate to contact me on 01793 616773.
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Just tell them you’ll never have a crash ;D
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So who are the alternative brokers and insurers?
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Just don't tell them
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Just don't tell them
It’s a fair point.
I never mentioned a water tank when insuring my van a few years ago, had a small accident in ice, a car hit me after he’d skidded.
van went in for repairs, no one battered an eyelid, all was fine.
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Howdens insurance, formally A-Plan. ;)
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Howdens insurance, formally A-Plan. ;)
Who these???
(http://www.cleanitup.co.uk/smf/1733562755_Screenshot_20241207-091104.png)
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Yes. A-Plan are now Howdens.
Just vote with your feet and tell Alexander Swan goodbye.
However check out the other thread which I shall resurrect and modify the title...
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So who are the alternative brokers and insurers?
Gladiator have been excellent for many years and seem to know what they're doing.
Although I am using a pick up which seems a lot less controversial - now at least.
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Yes. A-Plan are now Howdens.
Just vote with your feet and tell Alexander Swan goodbye.
However check out the other thread which I shall resurrect and modify the title...
It’s not Alexander swan making the rules they are just brokers it’s the insurance companies saying this it’s starting with all the big ones but the smaller ones will follow suite
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Yes. A-Plan are now Howdens.
Just vote with your feet and tell Alexander Swan goodbye.
However check out the other thread which I shall resurrect and modify the title...
It’s not Alexander swan making the rules they are just brokers it’s the insurance companies saying this it’s starting with all the big ones but the smaller ones will follow suite
eventually making all DIY non crash tested vans uninsurable ???
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Howdens insurance, formally A-Plan. ;)
Who these???
(http://www.cleanitup.co.uk/smf/1733562755_Screenshot_20241207-091104.png)
Yes, ask for the Carterton branch who do our 'van with tank insurance', their a broker and shop around for you every renewal. They found me a better price this year by switching insurer. Used them for years, and have a few different policy's with them. Good luck.
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Just don't tell them
They asked.......they said it's definitely classed as a modification......not worth the risk lying.
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One quote on Comparethemeerkat after declaring an unspecified modification,,,,,,,,£509......includes speeding conviction and 50/50 slight accident............Zego but it's a telematics policy....think that's the word....you have to have their app on your phone and turned on when driving,
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One quote on Comparethemeerkat after declaring an unspecified modification,,,,,,,,£509......includes speeding conviction and 50/50 slight accident............Zego but it's a telematics policy....think that's the word....you have to have their app on your phone and turned on when driving,
How does that compare to what you were paying?
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Nearly £300 cheaper than last year and the same more or less as the year before.....not sure about the app business though anybody used one before
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Howdens insurance, formally A-Plan. ;)
They have just renewed mine with a diy 350 ltr in a caddy. Up by £50 but still uder £400..
Happy? Never happy.
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Van insurance due 02/01/2025.....Alexander Swann just rung me to say they cannot renew my policy because they now only insure vans with crash tested systems fitted......be aware.
That's the reason I went with Grippatank. I believe all insurance companies will follow suit. Hope you get
it sorted or you will be off the road.
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Howdens Ins. asked me is the tank bolted in or strapped in, so i guess they have different insurers for either type, or both?
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Nearly £300 cheaper than last year and the same more or less as the year before.....not sure about the app business though anybody used one before
Daughter's car has one fitted and I also drive it. Basically, it records the data and sends it the insurer. So, you HAVE to adhere to all speed limits. They do monitor it too because she got a warning because of me driving it!
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It's not fitted to van it's an app on your phone....presume it does similar function though.
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It's not fitted to van it's an app on your phone....presume it does similar function though.
Yes. The black box in the car connects to the phone.
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Just watched a neighbor strap a child's car seat in the back of their car. wonder if they've notified their insurance yet? 😂😂
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My brother worked in insurance all his life and he was saying, their game is to take money in and try not to hand it out again. They will give you insurance but the fun begins when you put in a claim. If you don't tell them and they investigate it then your claim is null and void and they may get the police to charge you with false representation.
Here's the thing you are all beginning to notice, one can't work without van insurance unless you don't need a van and you are cleaning a scheme with a trolly.
Lawyers started the ambulance chasing game and now the insurance companies are coming after them. The lawyers indemnity insurance has tripled and they are not very happy about it. So they have been speaking to insurance companies and they said you started it and if you continue then it will keep going up. So now my mate the mechanic was asking me what's going on because the claim money is going down the way instead of up the way. I told him some lawyers are finding problems getting insurance unless they all get together and accept lower claim money.
I now realise, Insurance Companies rule the world. No insurance then even a plane can't take off. If you get blacklisted from the insurance industry then you might aswell become a vicar without a car. fwiw
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My brother worked in insurance all his life and he was saying, their game is to take money in and try not to hand it out again. They will give you insurance but the fun begins when you put in a claim. If you don't tell them and they investigate it then your claim is null and void and they may get the police to charge you with false representation.
Here's the thing you are all beginning to notice, one can't work without van insurance unless you don't need a van and you are cleaning a scheme with a trolly.
Lawyers started the ambulance chasing game and now the insurance companies are coming after them. The lawyers indemnity insurance has tripled and they are not very happy about it. So they have been speaking to insurance companies and they said you started it and if you continue then it will keep going up. So now my mate the mechanic was asking me what's going on because the claim money is going down the way instead of up the way. I told him some lawyers are finding problems getting insurance unless they all get together and accept lower claim money.
I now realise, Insurance Companies rule the world. No insurance then even a plane can't take off. If you get blacklisted from the insurance industry then you might aswell become a vicar without a car. fwiw
I'm crapping my self!!🤣🤣🤣🤣
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Here's the thing you are all beginning to notice, one can't work without van insurance
In other news, grass is green…
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
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Just don't tell them
They asked.......they said it's definitely classed as a modification......not worth the risk lying.
I mean get insurance with another company that's doesn't ask and dont volunteer the information.
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Just don't tell them
They asked.......they said it's definitely classed as a modification......not worth the risk lying.
I mean get insurance with another company that's doesn't ask and dont volunteer the information.
Spot on.
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They ask about modifications......by the way on the compare the market site when you get to the mods bit and the specific list for each separate type of class of mod bodywork, wheels, lights etc under accessories is roof rack.
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Here's the e mail summary.
Good Morning
Your renewal for your Commercial Vehicle, Legal Expenses is due on 2nd January 2025.
Unfortunately, we are unable to offer renewal terms this year. This is because our panel of insurers are declining DIY systems that are not crash tested.
Please find below the crash tested systems that are accepted:
What if you just want the Insurance and not the "Commercial Vehicle, Legal Expenses" ?
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
How would you know Grippatank is doing well.Are you on the board of directors now!
Crash tested or not declared or not it’s down to the individual makes no difference to others.
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Here's the e mail summary.
Good Morning
Your renewal for your Commercial Vehicle, Legal Expenses is due on 2nd January 2025.
Unfortunately, we are unable to offer renewal terms this year. This is because our panel of insurers are declining DIY systems that are not crash tested.
Please find below the crash tested systems that are accepted:
What if you just want the Insurance and not the "Commercial Vehicle, Legal Expenses" ?
“Commercial Vehicle” IS just the insurance. That’s the motor insurance, that you need to legally drive on the roads.
(It’s what is being withheld for non crash-tested systems.)
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Here's the e mail summary.
Good Morning
Your renewal for your Commercial Vehicle, Legal Expenses is due on 2nd January 2025.
Unfortunately, we are unable to offer renewal terms this year. This is because our panel of insurers are declining DIY systems that are not crash tested.
Please find below the crash tested systems that are accepted:
What if you just want the Insurance and not the "Commercial Vehicle, Legal Expenses" ?
“Commercial Vehicle” IS just the insurance. That’s the motor insurance, that you need to legally drive on the roads.
(It’s what is being withheld for non crash-tested systems.)
You got the same email or you guessing ?
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
Not according to companies house they aren’t better take a look 😂
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Please find below the crash tested systems that are accepted:
Ionic Systems / Pure2o – Crash tested to FMVSS-208 Certification
Brodex – Crash tested to Mira Standard
Purefreedom – Crash tested to Mira Standard
Streamline – Smartank only Crash tested to Mira Standard
Grippatank – Crash tested to Mira Standard
The Cleaning Warehouse – Crash tested to Mira Standard
We all know Ionics are crash tested as they never shut up about it, one type of tank in one van seems to cover them for every type of tank in every type of van. I don't buy into that one iota.
Brodex , however are crash tested to so they say ....https://www.youtube.com/watch?v=sUOfAe0Y2ls
And Brodex say there's is the safest on the market, so thats even better than Ionics.
If i look at the others they have no info up about their crash tests. I'm certain it would come as news to them that they are crash tested too. Anyone anymore info about the others as i can't seem to find it ?
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
https://find-and-update.company-information.service.gov.uk/company/07950256/filing-history
Booming ?
(http://www.cleanitup.co.uk/smf/1733781799_Screenshot at 2024-12-09 22-01-59.png)
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Please find below the crash tested systems that are accepted:
Ionic Systems / Pure2o – Crash tested to FMVSS-208 Certification
Brodex – Crash tested to Mira Standard
Purefreedom – Crash tested to Mira Standard
Streamline – Smartank only Crash tested to Mira Standard
Grippatank – Crash tested to Mira Standard
The Cleaning Warehouse – Crash tested to Mira Standard
We all know Ionics are crash tested as they never shut up about it, one type of tank in one van seems to cover them for every type of tank in every type of van. I don't buy into that one iota.
Brodex , however are crash tested to so they say ....https://www.youtube.com/watch?v=sUOfAe0Y2ls
And Brodex say there's is the safest on the market, so thats even better than Ionics.
If i look at the others they have no info up about their crash tests. I'm certain it would come as news to them that they are crash tested too. Anyone anymore info about the others as i can't seem to find it ?
I understand their 'drive' for a safely secured system, but any crash tested system is only as strong as its 'weakest link'. The weakest link is going to be the use of spreader plates under the van's floor, provided high tensile bolts and nuts are used.
My tank frame is welded up by myself with a Wydale tank. It is bolted down through the chassis at 5 points with spreader plates and 4 points using spreader plates to the floor. My tank frame is a copy with some additional strengthening braces of the original PureFreedom tank frames.
Does this mean I can buy a crash tested frame from Purefreedom, use my own original tank, fit it myself, and are then guaranteed I meet any new insurers requirements? I would expect that insurers would ask for the system to be fitted by a company who supplies the products, ie Purefreedom in my example. Surely they would need proof that the tank has been fitted to crash tested standards.
My insurers are Aviva. When I went with them a number of years ago, I was asked if the tank was professionally fitted. My answer was yes. But would they have a different opinion to me regarding what professional is? They didn't ask me to specify anything else regarding the tank fitment.
As I mentioned before, one of the local lads had a Brodex flat tank fitted by one of their approved suppliers many years ago. The frame was just screwed into the floor of an old Combo van with no spreader plates. The screws had pulled out so the tank frame was just loose. That was professionally fitted.
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
https://find-and-update.company-information.service.gov.uk/company/07950256/filing-history
Booming ?
(http://www.cleanitup.co.uk/smf/1733781799_Screenshot at 2024-12-09 22-01-59.png)
Yes, just as I was told, nearly £100k now in reserves. Wait till March 2025 because 24/25 has been their best year because of work and less employees. 👍
I am getting a new van soon and need to go back down with 2 vans so Oliver can swap my system over and I can get paperwork for Insurance Policy.
Very glad I worked with him because its all coming good for both of us. As I tell everyone, whatever we give out in life, the exact same will come back round again. I helped my niece when she bought a house that needed done up and I did it for as little as possible as she had a baby aswell.
A bizarre thing happened recently, someone died suddenly and she has become very rich so when I do work I will get paid well. Yesterday made 200 from windows and 400 from my bookmaker sideline, so £600 for half a day's work and then the woman that verbally attacked me, apologised.
Sometimes in life everything begins to make sense and I'm taking full advantage of it. Roll on Grippatank because the better Oliver becomes the better I become. 😉
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Are you Nigel reincarnated?
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
https://find-and-update.company-information.service.gov.uk/company/07950256/filing-history
Booming ?
(http://www.cleanitup.co.uk/smf/1733781799_Screenshot at 2024-12-09 22-01-59.png)
Yes, just as I was told, nearly £100k now in reserves. Wait till March 2025 because 24/25 has been their best year because of work and less employees. 👍
I am getting a new van soon and need to go back down with 2 vans so Oliver can swap my system over and I can get paperwork for Insurance Policy.
Very glad I worked with him because its all coming good for both of us. As I tell everyone, whatever we give out in life, the exact same will come back round again. I helped my niece when she bought a house that needed done up and I did it for as little as possible as she had a baby aswell.
A bizarre thing happened recently, someone died suddenly and she has become very rich so when I do work I will get paid well. Yesterday made 200 from windows and 400 from my bookmaker sideline, so £600 for half a day's work and then the woman that verbally attacked me, apologised.
Sometimes in life everything begins to make sense and I'm taking full advantage of it. Roll on Grippatank because the better Oliver becomes the better I become. 😉
Humpty Dumpty.
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Scottish, your posts are becoming more and more cringeworthy…….keep them coming please 🙏 😆
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Two things come to my mind when reading replies. One professionally fitted tanks used to be classed as fitted by vat registered garage or workshops. This used to be case with number of insurers.
You will not get a certificate unless ie grippa tank is fitted by their guys. So in theory despite being crash tested an installation is not certified by them will become void for insurance purposes.Go figure this one out. That’s like killing small businesses offering custom tanks to one business needs. Where does this end…
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Grippatank is booming and I didn't know why but now its number 1 on the insurance scale so makes perfect sense.
https://find-and-update.company-information.service.gov.uk/company/07950256/filing-history
Booming ?
(http://www.cleanitup.co.uk/smf/1733781799_Screenshot at 2024-12-09 22-01-59.png)
Yes, just as I was told, nearly £100k now in reserves. Wait till March 2025 because 24/25 has been their best year because of work and less employees. 👍
I am getting a new van soon and need to go back down with 2 vans so Oliver can swap my system over and I can get paperwork for Insurance Policy.
Very glad I worked with him because its all coming good for both of us. As I tell everyone, whatever we give out in life, the exact same will come back round again. I helped my niece when she bought a house that needed done up and I did it for as little as possible as she had a baby aswell.
A bizarre thing happened recently, someone died suddenly and she has become very rich so when I do work I will get paid well. Yesterday made 200 from windows and 400 from my bookmaker sideline, so £600 for half a day's work and then the woman that verbally attacked me, apologised.
Sometimes in life everything begins to make sense and I'm taking full advantage of it. Roll on Grippatank because the better Oliver becomes the better I become. 😉
Are you that prick on the FB forum making out you’re a horse betting punter and you’ve got the low down on a three legged blind horse running in the 3:40 at Cheltenham?
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and then the woman that verbally attacked me, apologised.
I know i shouldn't but........ come on tell us the story. I'm just dying to know !! ;D