Tried many insurers at last renewal and the tank in the back has become a sticking point. Many classed it as a modification, with a few including Gladiator, determining that a modification was ANYTHING that the van / truck didn't leave the factory with, even going so far as to add that they wouldn't pay out ANYTHING for a van that had racking fitted - unless it was a factory fit option.
They argued that if a tank in a pick up was secured it was a modification. I asked, What if it were not secured ? They replied that it was then an unsecured load and they wouldn't cover that either. I asked what the difference between an unsecured tank and a wheelbarrow were? They replied that a wheelbarrow was exempt as it was cargo and could be removed at the other end. I argued that a 25 litre barrel could be removed so was that cargo ? We went round and round for some time with them being pedantic and myself pointing out that I could see why a tank should be secured in a van as it was a risk to the occupants and the only way around this would be to have a series of bulkheads fitted, to which they agreed. I then pointed out that a pick up would therefore be exempt as it has two bulkheads in place already - they went quiet.
Finally I asked Adrian Flux and they said - £440, 2002 Ford Ranger Fully Comp, tank no problem.