[Dave Willis]

Comes into force 12th Aug.
Anyone managed to work out what it's all about?

Decided my heater's definitely coming out of the van at the weekend.

[SeanK]

In short its to stop insurance companies using non disclosure to get out of paying, there's a few other things thrown
into the mix but from what I gather its more about protecting the insurance buyer rather than giving more power to insurance
companies.

[CleanClear]

Comes into force 12th Aug.
Anyone managed to work out what it's all about?

Decided my heater's definitely coming out of the van at the weekend.

I read a simplified thing a while ago saying along the lines of....it'll make it harder for insurance companies to try to wriggle out of payments based on "technicalities". I just had a quick look on Google too. It seems its based more about who knows what, who should know...etc   I.e the Insurer vs the insured. From what i can tell it seems to actually be about who is laible for facts ,questions, disclosures etc..... in the event of a Court dispute ?


Your heater............why take the heater out ? Why not remove the gas cannister of an evening ? Why not ask if you're insured to carry a gas cannister ? How much extra etc ? After all the "heaters" are just portable appliances ?

Are you covered if your van goes up in flames through putting a paraffin greenhouse heater in it overnight in winter ? Its not a question your insurer will ask nor one you will seek to disclose , thats if you even think about it...........thats what its about .

I know!! Still no clearer, me neither 

[Dave Willis]

Because I mentioned my heater years ago to the broker (not the insurer) who seemed to think it was ok. Because he said that I never mentioned it again 
As time has passed the idea of a gas heater in the van has become less appealing to me and the insurance side of it more worrying. Just my own thoughts but I feel more uneasy about the whole thing.

[SeanK]

Operating a gas appliance in a vehicle is a legal minefield, my experience of it comes from touring in a motorhome, not joking
its hard to know what's the truth or the urban myths.
The thing is the insurance companies didn't care as the more get out clauses the better for them, the thing is now that the
onus will be on them to make sure your covered for its intended use I get the feeling it just wont be as easy to buy.

[Scrimble]

I dont think it is illegal to have a gas water heater fitted in a vehicle,  the early ionics hot water machines ran on gas,

but there is a big difference between a professionally installed checked and maintained gas heater set up and a bodge together by some inept shiner with some cheap chinese junk off ebay screwed onto the ply lining with no flue and I'll just leave the door open that'al be arite.

[Dave Willis]

Precisely. I don't think many actually declare what they have done to their insurance company. Personally I can see a high risk and god knows what the outcome would be if I did have a fire in a commercial environment. Somehow I think the bill would be passed to me rather than the insurance company.

I once had a leaking regulator - the van filled with gas - wouldn't have taken much to ignite the lot.

[slap bash]

Because I mentioned my heater years ago to the broker (not the insurer) who seemed to think it was ok. Because he said that I never mentioned it again 
As time has passed the idea of a gas heater in the van has become less appealing to me and the insurance side of it more worrying. Just my own thoughts but I feel more uneasy about the whole thing.

You chaps are jumping the gun again think of a Winnie Bago or caravan with a heater in it should it be a bigger risk than a windy in a van.  NO or a plumber with a gas bottle in a van. NO NO NO . You guys wake up insurance companies so we can pay more for nothing. Resist is the answer. There is a movement away from us been ripped off.

[slap bash]

Precisely. I don't think many actually declare what they have done to their insurance company. Personally I can see a high risk and god knows what the outcome would be if I did have a fire in a commercial environment. Somehow I think the bill would be passed to me rather than the insurance company.

I once had a leaking regulator - the van filled with gas - wouldn't have taken much to ignite the lot.

Then the problem is you not checking your equipment and if it blew up it would have been an accident.It would have been wise to fit an alarm and drill a venting  holes in the floor for the gas to escape. Like so many have.

[slap bash]

Its about time the Insurance companies in the UK come around and operate like the rest of the world.  We have been ripped off so much here in the UK by dishonest Insurance Brokers and companies. In other countries, the broker works for  you the customer. If he does not get your details right he will pay for his  mess  up.

[Dave Willis]

Not according to A plan insurance.


Dear Mr Willis

The Insurance Act goes into effect on 12th August 2016 and affects all commercial insurance policies governed by UK law.

The Act introduces a new 'duty of fair presentation', requiring insureds to capture more knowledge from more people in their organisations.

What Changes Does the Act Bring?

The Duty of Fair Presentation: The duty of fair presentation specifies the knowledge that needs to be captured for the insurer when applying for cover, and, more importantly, who is responsible for presenting that information. The Act will obligate business owners to disclose honest assessments of the potential risks associated with their particular businesses before entering into insurance contracts

Warranties and Conditions:The new Act allows insurers to suspend cover where there has been a breach of warranty rather than discharge the liability altogether, i.e. if something you originally disclosed or agreed to do turns out to be false or not done, the insurer will not pay out for any claim you may make. However, under the new Act, cover is reinstated as and when the breach has been rectified.

Fraudulent Claims:The Act clarifies and harmonises insurers' remedies in the event of fraudulent claims.

Contracting Out:The Insurance Act is the 'default regime'-insurers must follow it, but they are allowed to contract out of requirements provided that any alternative terms meet certain transparency requirements

[slap bash]

Reading futher its called the New Insurance act of 2015  coming into use on the 12 August 2016 Sorry Mate it is misleading.

http://www.aon.com/unitedkingdom/products-and-services/industry-expertise/attachments/Insurance-act-2015.pdf


THis looks like a perfect time to up costs to train those lazy brokers to do their jobs properly. It does not make much sense if they can opt out of this Act. Let`s make an Act then leave the back  door open so they can lie and cheat as normal.

[slap bash]

What I understand is your broker will have to ask you if you have a heater fitted and you will not have to declare it yourself.  He will need to ask you everything they need to ensure correctly. Its was a stupid system. I mean, how would you know what they needed to know. The system helped the Insurance company to cheat us out of paying out a claim. They could make  up any excuse.