[Andrew44]

Tosh

I spent days phoning around and the best by far was Aviva.  I pay £350.  1.3 Doblo.  I wrote to their head office to ask them to confirm the tank in cage was not classed as a mod and they did write back and confirm.  The tank and cage are not insured though.

[Pittmonkey]

Tosh you need to make sure you insure you as the proposer and not the company ie; Tosh Window Cleaning. If you insure as a company you cannot take your no claims back to a car it stays with the van/company.

You should be able to take your NC disc from car to Van if insuring as Sole trader.

[dazmond]

tried direct line they wanted over a grand for my old kangoo WITHOUT a tank/vehicle modification.absolutely laughable!!

ended up going with budget commercial van insurance.£420-00 T,P ,F&T.

IVE GOT 7 YEARS NO CLAIMS AS WELL!!! :

[ronnie paton]

It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.

When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.

Always worth a try and will give direct line a call tomorrow.

Well don't mention it then. You're just handing them a reason to bump the price. You're carrying a load using the manufacturers anchor points & you are carrying weight below the manufacturers stated payload. Your load is not explosive, corrosive or a health hazard. THEY DON'T NEED TO KNOW! You're a tradesman carrying a load to carry out your work.

I bet when builders ring up they don't stand there telling them what they are carrying around in the back every day! Or joiners, or plumbers, or landscape gardeners etc etc.

Taking the above into consideration (you're doing nowt wrong or untoward) what would their defence be in the event they refuse to pay out after an accident- "we're not paying 'cos you were carrying something heavy"!!

You'd be fully insured now & for a lot less money if you weren't influenced by over cautious twerps on here!!

im sorry but this is rubbish advise, if you had a seriuos accient like a 5 car pile up on the moterway and a investiagtion time were involved you would find your insurance void.

my mum works for a insurance company and has told me of two incidents were this has happened.

is it fair a window cleaner is treated different for carrying water than a bricie for carrying bricks.....NO but the trruth is they class it hs a mod if not declared you may end up fooked........but then again you m at never have aseriuos accident.......thats the risk you take

[♠Winp®oClean♠]

It's not about how the tank is fixed apparently. It's the carriage of the load. It baffles me. My tank at the mo is strapped with two 5 t straps to vans anchor points. But if your a builder you could place a pallet of bricks in the back and everything is OK. To me it just seems like they are jumping on the band wagon to get extra cash out of us.

When I first started no one ever asked about tanks, now they treat you like a criminal if you have one.

Always worth a try and will give direct line a call tomorrow.

Well don't mention it then. You're just handing them a reason to bump the price. You're carrying a load using the manufacturers anchor points & you are carrying weight below the manufacturers stated payload. Your load is not explosive, corrosive or a health hazard. THEY DON'T NEED TO KNOW! You're a tradesman carrying a load to carry out your work.

I bet when builders ring up they don't stand there telling them what they are carrying around in the back every day! Or joiners, or plumbers, or landscape gardeners etc etc.

Taking the above into consideration (you're doing nowt wrong or untoward) what would their defence be in the event they refuse to pay out after an accident- "we're not paying 'cos you were carrying something heavy"!!

You'd be fully insured now & for a lot less money if you weren't influenced by over cautious twerps on here!!

im sorry but this is rubbish advise, if you had a seriuos accient like a 5 car pile up on the moterway and a investiagtion time were involved you would find your insurance void.

my mum works for a insurance company and has told me of two incidents were this has happened.

is it fair a window cleaner is treated different for carrying water than a bricie for carrying bricks.....NO but the trruth is they class it hs a mod if not declared you may end up fooked........but then again you m at never have aseriuos accident.......thats the risk you take

I've followed the manufacturers recommendations Ronnie, have you? Does the manufacturer of your van recommend drilling holes through the floor/chassis or clamping plates around the main chassis members?

Who, apart from Ionics can back up their system fittings with official engineering tests/reports?

You might just find that YOUR insurance be void in the event of a serious accident once an engineers report has been given & the manufacturer has their input also!

Personal safety is our own choice but don't think for one minute that you are absolved of any responsibility whatsoever just because you have a caged tank! Have you compromised the manufacturers designed structure by your actions?

Food for thought.

[♠Winp®oClean♠]

A bit more food for thought-

Why is it that many insurers won't touch you once you've possibly compromised the structure of the van (modified) ?

[ronnie paton]

wrong again has i know from experience .........obviously you cant say the same.........does it say in your policy YOU CARRY A WATER TANK THAT IS SECURED EITHER VIA THE CHASSIS OR STRAPED TO THE FLLOR EYE BOLTS?

MINE DOES

[Tom White]

Tosh you need to make sure you insure you as the proposer and not the company ie; Tosh Window Cleaning. If you insure as a company you cannot take your no claims back to a car it stays with the van/company.

You should be able to take your NC disc from car to Van if insuring as Sole trader.

I did insure myself as the proposer, but didn't know what (if any) the difference would be.

Thanks for the info.

[♠Winp®oClean♠]

wrong again has i know from experience .........obviously you cant say the same.........does it say in your policy YOU CARRY A WATER TANK THAT IS SECURED EITHER VIA THE CHASSIS OR STRAPED TO THE FLLOR EYE BOLTS?

MINE DOES

Does your car policy state what you carry in the boot?

My insurance policy doesn't state anything about what I carry, it doesn't need to & I don't get the option to either. I gave all the requested information to my insurance company. My tank is not a fixed item. When it is, it is secured using the manufacturers load anchor points & ratchet straps which are rated beyond the requirement!

Do you have an engineers report for your system Ronnie?

[ronnie paton]

business insuarance and personal are different and youy will they adk do you use vehicle for pleasure business or both.

you van should be under COMMERCIAL POLICY, and trust me when i say if u had a accident you would not be covered.

i dont need one i have a paragraph clearly stating my MODIFICATION and i have been paid on a insurnce claime

[♠Winp®oClean♠]

business insuarance and personal are different and youy will they adk do you use vehicle for pleasure business or both.

you van should be under COMMERCIAL POLICY, and trust me when i say if u had a accident you would not be covered.

i dont need one i have a paragraph clearly stating my MODIFICATION and i have been paid on a insurnce claime

Direct Line Van Insurance (there's the clue Ronnie)

My policy is fine Ronnie, no problem with it at all. I most definately would be payed out on a claim.

I'm not disputing that your MOD' is noted on your policy- That doesn't make it safe nor does it protect you in a "serious" (third party fatality) incident.
WHO HAS PASSED YOUR MOD AS BEING SAFE & TO WHAT OR WHO'S STANDARD/CRITERIA?

[ronnie paton]

have you made a claim??

i have that gives away a big clue...can you digest that?

i doubt from experinece your claim would be paid.......why......i know that direct line wouldnt pay you has they havent with several others

[♠Winp®oClean♠]

have you made a claim??

i have that gives away a big clue...can you digest that?

i doubt from experinece your claim would be paid.......why......i know that direct line wouldnt pay you has they havent with several others

I give up, I can't argue with pork Ronnie! : Never heard such bollox!

[Pittmonkey]

It's only a matter of time before ALL insurance company's ask the following question. ( many already do )

Q What trade are you ?
A Window Cleaner

Q.Do you carry a water tank?
A Yes

Q What size tank do you carry? (allowing upto 60% of the vans payload )
A 500ltr (1k payload )

Q Do you have a QUALIFIED ENGINEERS report on the fixing of the tank? (Evidence will be required)
A Yes

Ok we would love to RIP sorry insure you.

Like I said earlier in the thread 3 years ago I never got ask any of the above apart from what trade.

Here's something to think about.. When proceeding with an online quote they take it that you have read their assumptions. In them they state, if you knowingly withhold information to obtain a cheaper premium your policy will be void etc etc etc....

At the moment this is a bit of a grey area as you could always play the "I never new I had to tell you about the tank" card, because there isn't any law or enforcement.

But I would guess 1 or 2 years from now it will be Law or some legislation to enforce water tanks in vans to be fitted by Qualified Engineers.

So it's a question of make the most of it while you can. or even take the risk while you can.

[ronnie paton]

dont bel;ive me i dont care YOU run the risk not me.

but i bet you would argue that steak is pork....your that type of guy