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chrisyg

L5 Users + Insurance
« on: January 02, 2009, 04:23:14 pm »
I know there is so many L5 users out there.

What i want to know, how easy is your insurance company for the addition of the L5 and a Gas Cannister in your Van/Car.. or are you all just doing it without telling?

Just seemed to be so many posts about the subject but non actually carry it on with what it costs them extra in insurance.. if it actually does.

So many new guys come on here to look about, without actually thinking about the effects of such a potential problem..

How many of you are actually using it without declaring its use to your insurance company?

chris@c.m.s

  • Posts: 1556
Re: L5 Users + Insurance
« Reply #1 on: January 02, 2009, 05:11:43 pm »
There could well be a problem with insurance, I have been in contact with CORGI and it is an issue they raised. 
Sussex by the sea

chrisyg

Re: L5 Users + Insurance
« Reply #2 on: January 02, 2009, 05:20:37 pm »
There could well be a problem with insurance, I have been in contact with CORGI and it is an issue they raised. 

what was the issue? I know David Slater has done his own research on this and come up with no problems, however im yet to follow his research with my own.

Surely not all the L5 users have followed this type of in depth research, documented it and taken it to their insurance.

john tomkins

  • Posts: 1639
Re: L5 Users + Insurance
« Reply #3 on: January 02, 2009, 05:22:49 pm »
There could well be a problem with insurance, I have been in contact with CORGI and it is an issue they raised. 

Don't worry about Corgi, it will be Capita soon.
But why bother Corgi if it's insurance you are after, or have they started selling it now they will no longer have gas ;D

NWH

  • Posts: 16952
Re: L5 Users + Insurance
« Reply #4 on: January 02, 2009, 09:27:13 pm »
I know there is so many L5 users out there.

What i want to know, how easy is your insurance company for the addition of the L5 and a Gas Cannister in your Van/Car.. or are you all just doing it without telling?

Just seemed to be so many posts about the subject but non actually carry it on with what it costs them extra in insurance.. if it actually does.

So many new guys come on here to look about, without actually thinking about the effects of such a potential problem..

How many of you are actually using it without declaring its use to your insurance company?
How many are using it without telling the insurance company,i`ll tell you all of them if there being honest.If you were to ring your insurance company and tell them exactly what your doing and how it`s fitted your insurance would be void 100%.How many users on here disconnect it everytime they drive to the next job,none i bet how many have it swinging from the back door like i did or have it actually in the van ie enclosed space,all of the above are wrong and wouldn`t qualifiy for insurance.

NWH

  • Posts: 16952
Re: L5 Users + Insurance
« Reply #5 on: January 02, 2009, 09:28:11 pm »
They might ring them and tell them there carrying a gas bottle but i`ll bet that`s all they`ve done.

Nathanael Jones

  • Posts: 5596
Re: L5 Users + Insurance
« Reply #6 on: January 02, 2009, 09:44:03 pm »
I've fully disclosed to my insurance company. "Carry on" they said,.... not a problem.

chris@c.m.s

  • Posts: 1556
Re: L5 Users + Insurance
« Reply #7 on: January 02, 2009, 09:45:00 pm »
I emailed Corgi to see if they had any issues with L5 type Setups.
Wouldn't go as far as saying there wasn't issues, but it is down to interpretation.

I for one do not feel they are safe and was concerned about the safety of them,
I still believe someone is going to end up getting hurt or causing injury to passers- by I.E  a leakage of gas in a van accidentally ignited, It doesn't take much "open the van door f*g in hand and bang"  its also a serious risk in an accident!

I honestly believe that someone is going to get themselves in a hell of a lot of trouble when something goes wrong.

However here is the reply I had from Corgi after voicing my concerns.    
------------------------------------------------------------------------------------------------------  
Dear Mr.

Thank you for your e-mail and your concern.

 

Unfortunately, the installation of such systems is outside of The Gas Safety (Installation and Use) Regulations (GSIUR) 1998 and as such is outside of our sphere of influence.

 

However, any person undertaking such installations although not having to be CORGI registered must still be competent to do so and they would have a duty of care as requirement of the Health and Safety at Work etc Act 1974 to ensure the safety of the vehicle, its occupants and other people and property.

 

There also may be requirements from the insurer of the vehicle that to be insured the van will need to undergo a safety check on an annual basis by a competent person. This may be an approved business from the insurance company.

 

Any causes of concern over unsafe situations in regard to these vans then the matter should be bought to the attention of the HSE.

 

Yours Sincerely

David J Smith
Senior Technical Officer
djsmith@trustcorgi.com
Tel. 01256 372282
Mobile 078111 97973

 
Sussex by the sea

NWH

  • Posts: 16952
Re: L5 Users + Insurance
« Reply #8 on: January 02, 2009, 09:57:31 pm »
I've fully disclosed to my insurance company. "Carry on" they said,.... not a problem.
You fully disclosed that your running that in your van unsupervised and out of view from the person using it in an area where members of the public maybe walking passed,yeah right i think not.You havn`t got a hope in hell in that being insured,give me there number and i`ll tell them how your using it and see if they give me the same answer,they`d ask me if i was having a laugh.Insurance is something you have to have and the bigger the risk the bigger the premium and that`s if they`ll touch you,a good freind of mine works for Alliance and has a senior position as a broker and has informed me you would never get insured if disclosed in the exact way it`s used,anyone can ring up and tell slight porkies and still be covered or so they think until something happens.

NWH

  • Posts: 16952
Re: L5 Users + Insurance
« Reply #9 on: January 02, 2009, 09:59:31 pm »
Andrew McCan said he looked into fitting these and was told it wouldn`t be viable for insurance reasons.

Nathanael Jones

  • Posts: 5596
Re: L5 Users + Insurance
« Reply #10 on: January 02, 2009, 10:14:11 pm »
These systems can be installed correctly and safely, and in a way that will keep your insurance company happy,... if you do some research and know what you are doing.

I fail to see the major difference between Gas & Diesel powered systems. There is still heat/flame/ignition etc. A diesel leak is just as risky as a gas leak! An incorrectly installed diesel powered heater is also deadly!

But, you're on a mission NWH, and you'll continue to make sweeping generalisations about all gas systems no matter what I say.
I'm going to quit replying to these threads when you get involved.


chrisyg

Re: L5 Users + Insurance
« Reply #11 on: January 02, 2009, 10:21:33 pm »
These systems can be installed correctly and safely, and in a way that will keep your insurance company happy,... if you do some research and know what you are doing.

I fail to see the major difference between Gas & Diesel powered systems. There is still heat/flame/ignition etc. A diesel leak is just as risky as a gas leak! An incorrectly installed diesel powered heater is also deadly!

But, you're on a mission NWH, and you'll continue to make sweeping generalisations about all gas systems no matter what I say.
I'm going to quit replying to these threads when you get involved.



I always thought diesel needed to be compressed before being able to combust? I didn't think you could set light to it from just a flame, like you do with petrol.

Nathanael Jones

  • Posts: 5596
Re: L5 Users + Insurance
« Reply #12 on: January 02, 2009, 10:26:07 pm »
Try it,... Diesel burns quite easily & fiercely!

The urban myth the diesel will not burn when exposed to a flame is completely untrue,.. I've lit bonfires with it!

The diesel heater units do pressurise the fuel to pass through a spray jet to make it burn faster & hotter though.

David Slater

Re: L5 Users + Insurance
« Reply #13 on: January 02, 2009, 10:28:25 pm »
These systems can be installed correctly and safely, and in a way that will keep your insurance company happy,... if you do some research and know what you are doing.

I fail to see the major difference between Gas & Diesel powered systems. There is still heat/flame/ignition etc. A diesel leak is just as risky as a gas leak! An incorrectly installed diesel powered heater is also deadly!

But, you're on a mission NWH, and you'll continue to make sweeping generalisations about all gas systems no matter what I say.
I'm going to quit replying to these threads when you get involved.



I always thought diesel needed to be compressed before being able to combust? I didn't think you could set light to it from just a flame, like you do with petrol.

Liquid diesel or petrol is not flammable. Its the vapour thats flammable.

Diesel does not have to be compressed to ingnite although its vapour does have a higher flash point than petrol vapour.

Still could be eaily ignited from whichever motor it is running or dripping onto a hot surface such as the exhaust system. Hot days - inside vehicle temp will rise rapidly and would support flash point for diesel.

NWH,

Wasnt the reason given by Andrew McAnn H&S issues?? If we're going to quote someone I think we should do them the courtesy of not bending the truth to fit our argument  ;)


chrisyg

Re: L5 Users + Insurance
« Reply #14 on: January 02, 2009, 10:30:13 pm »
Try it,... Diesel burns quite easily & fiercely!

The urban myth the diesel will not burn when exposed to a flame is completely untrue,.. I've lit bonfires with it!

The diesel heater units do pressurise the fuel to pass through a spray jet to make it burn faster & hotter though.

thanks for the info Nath! But i wont try it..  ;)

chris@c.m.s

  • Posts: 1556
Re: L5 Users + Insurance
« Reply #15 on: January 02, 2009, 10:48:02 pm »
These systems can be installed correctly and safely, and in a way that will keep your insurance company happy,... if you do some research and know what you are doing.

What about those who haven't a clue what they are doing but will have a go anyway ?
Sussex by the sea

paulscotney

Re: L5 Users + Insurance
« Reply #16 on: January 02, 2009, 11:01:42 pm »
Surely lots of sailing yachts have similar set ups and they get bounced around at sea far more than your average van.  The only boats I ever hear of with a problem is the one or so that explodes in the UK every year. Solely to leakage and build up of gas in the bilge. This doesn't apply to motor vehicles because the gas just leaks out through a hole that has been drilled in bottom of van and if no purpose built hole there are loads of holes etc in vehicles.  Just in case the odd reader doesn't know.  Gas is heavier than air.

matt

Re: L5 Users + Insurance
« Reply #17 on: January 02, 2009, 11:29:37 pm »
ive said it before

get a vent in the roof of your van, all the gear ( inc a electric jigsaw if you dont own 1 ) for under 30 quid , thats the vent, the sealant, the whole lot


NWH

  • Posts: 16952
Re: L5 Users + Insurance
« Reply #18 on: January 02, 2009, 11:35:46 pm »
These systems can be installed correctly and safely, and in a way that will keep your insurance company happy,... if you do some research and know what you are doing.

What about those who haven't a clue what they are doing but will have a go anyway ?
What you mean like i did and everyone else on here,who wants to buy my other spare 1 still boxed with cheap fast fill adapter lol. ;D

David Slater

Re: L5 Users + Insurance
« Reply #19 on: January 03, 2009, 12:23:34 am »
ive said it before

get a vent in the roof of your van, all the gear ( inc a electric jigsaw if you dont own 1 ) for under 30 quid , thats the vent, the sealant, the whole lot



The vent in the roof will remove the hot exhaust gases, but as paulscotney rightly says - gas is heavier than air so you need to fit a 'drop vent' (a vent under the boiler) to remove escaping gas.