[Pure Glass]

Just spoken to Sarah at Alexander Swan this arvo to ask the question about my premium because of installing a fogwash

The insurers will not honour policies due to their 'duty of care' and feel that any gas bottles in the back of a van is a concern to them and they will not be honouring any existing policies where a client wishes to add an lpg bottle.

Not good news chaps, but thought I should pass this on. Sarah was saying that this is becoming a problem to them(due to the time of year) and will be advising any clients not to install lpg bottles.

Steve

[Helen]

Lpg is a Class 2 hazardous substance and anyone carrying such must be qualified to do so. Search adr rules to see

[Nathanael Jones]

Lpg is a Class 2 hazardous substance and anyone carrying such must be qualified to do so. Search adr rules to see

I'm in Ireland & the rules here are such that you can carry quite a few bottles of gas before you reach the limit where you'd need special qualifications etc.
I'm insured by Quinn. They have been informed about the gas & exactly how its being used & they have no issues with it. They're not the cheapest, but its worth the extra for proper cover.

[H S and Son]

Isn't it up to the insurer? Alex Swan are the middle man, the broker, so surely it's up to the insurer to make the decision. The broker acts on the clients behalf, traditionally.

It's no good saying a policy won't be honoured halfway through it's term if they don't inform the client. Can we all be expecting a letter from them if we have insurance through them?

[windowcleaninginessex.co.uk]

It's no good saying a policy won't be honoured halfway through it's term if they don't inform the client. Can we all be expecting a letter from them if we have insurance through them?
[/quote]

In the small print on any policy it will state, any modifications done let them know. Surely fitting a gas bottle is a modification, so really it is down to you, so the policy might not be honoured if you make a claim,
Darren

[[GQC] Tim]

Lpg is a Class 2 hazardous substance and anyone carrying such must be qualified to do so. Search adr rules to see

That is only true if you go over a certain amount of gas (read a heck of a lot). You don't need any qualifications other then common sense for our use.

[niceandclean]

Do you have to have a warning sticker on the van?

[windowcleaninginessex.co.uk]

Do you have to have a warning sticker on the van?

Yes definately,

[H S and Son]

In the small print on any policy it will state, any modifications done let them know. Surely fitting a gas bottle is a modification, so really it is down to you, so the policy might not be honoured if you make a claim,
Darren

There must be plenty of clients out there who have informed their broker of their use of a hot water system. I have. There were no issues when I enquired. Is fitting an L5 a modification? You haven't modified the vehicle by using calor gas.

[windowcleaninginessex.co.uk]

In the small print on any policy it will state, any modifications done let them know. Surely fitting a gas bottle is a modification, so really it is down to you, so the policy might not be honoured if you make a claim,
Darren

There must be plenty of clients out there who have informed their broker of their use of a hot water system. I have. There were no issues when I enquired. Is fitting an L5 a modification? You haven't modified the vehicle by using calor gas.

Personally I believe it is, but I suppose the only people can say whether it is or not is the insurance company.
Insurance companies are a pain and try to wiggle out of any payout, is it worth taking the risk?
As for modification changing your wheels to alloy wheels is a modification in there eyes but if definately isn't in mine
Darren

[Neil Williams]

That is only true if you go over a certain amount of gas (read a heck of a lot). You don't need any qualifications other then common sense for our use.

But we are talking about a mod to the vehicle in that it has a gas heater fitted within it powered by LPG. Which is a bit different to carrying a gas bottle from 'A' to 'B' to be off loaded.

[lee09]

In the small print on any policy it will state, any modifications done let them know. Surely fitting a gas bottle is a modification, so really it is down to you, so the policy might not be honoured if you make a claim,
Darren

There must be plenty of clients out there who have informed their broker of their use of a hot water system. I have. There were no issues when I enquired. Is fitting an L5 a modification? You haven't modified the vehicle by using calor gas.

Personally I believe it is, but I suppose the only people can say whether it is or not is the insurance company.
Insurance companies are a pain and try to wiggle out of any payout, is it worth taking the risk?
As for modification changing your wheels to alloy wheels is a modification in there eyes but if definately isn't in mine
Darren

Fitting a roof rack is a modification apparently. If it was not on the vehicle when it left the factory its a mod
But then again they make the rule to suit them
Lee

[A@R WINDOWCLEANING]

they will do anything not to payout ,i think gas bottles have to be in seperate compartment

[Dave Willis]

So builders or plumbers can't carry a gas cylinder either? Motohome owners have to be qualified to carry lpg?
Car owners that run their cars on LPG can't be insured?  

How do you get your barby refills home then - in a special cabinet? It's ok for old people to sit three feet away from a gas fire fed by a cylinder of gas but we can't carry one the other side of a metal bulkhead?

[windowcleaninginessex.co.uk]

So builders or plumbers can't carry a gas cylinder either? Motohome owners have to be qualified to carry lpg?
Car owners that run their cars on LPG can't be insured?  

How do you get your barby refills home then - in a special cabinet? It's ok for old people to sit three feet away from a gas fire fed by a cylinder of gas but we can't carry one the other side of a metal bulkhead?

Carrying a cylinder home and having a system fitted and used in your vehicle are 2 different things.
I wouldn't say transporting a bottle of gas is a modification but I would say having one fitted and using to heat water  is......

[Neil Williams]

Carrying a cylinder home and having a system fitted and used in your vehicle are 2 different things.
I wouldn't say transporting a bottle of gas is a modification but I would say having one fitted and using to heat water  is......

In a nutshell that's exactly it, it's a big difference and really not hard too understand.

[[GQC] Tim]

That is only true if you go over a certain amount of gas (read a heck of a lot). You don't need any qualifications other then common sense for our use.

But we are talking about a mod to the vehicle in that it has a gas heater fitted within it powered by LPG. Which is a bit different to carrying a gas bottle from 'A' to 'B' to be off loaded.

Even still, if one reads the regulations it doesn't mention anything other then common sense, whether it's mobile homes or other. The quote from Helen was about the law, and not about the policy of the insurer. I'd be happy to be proved wrong, but that stems from my own research.

Also, how qualified do you need to be to attach two hose clips and a regulator. Next thing we know you need to be qualified to use a barbeque. I wonder how many actually use a LPG heater? It's a shower, if you need to be qualified to use a portable shower then I'd lose all hope in humanity.

[Supreme clean window cleaning]

A plan dont mind

[windowcleaninginessex.co.uk]

A plan dont mind

At the moment

[Pure Glass]

Although the final say is with the insurer, a swan as a broker are now taking the stance on behalf of their bank of insurers.