[Mike #1]

The reason i mentioned it is i did not want to fall foul of an insurance company if my truck was ever in a accident and worst case was write off and they turned round and refused to pay out .

I could be with out a truck and out of pocket by thousands of £££££££££££££££ . Mike

[Arnold Palmer]

It never even crossed my mind to discuss what we carry with the insurance company.

All insurance companies are bandits but I think they would struggle justifying refusal of payout because you were carrying a tank of water.

[Mike #1]

As you said Stuart they are bandits and slimy slippery buggers better to be safe than sorry  . Mike

[Aqua Power Solutions]

Hi Stuart, insurance companies deem a water tank as a modification regardless if it is strapped in or bolted on the vehicle. I certainly would not risk writing off 20 k  because I didn't declare the system in the policy, is it worth the gamble ? Ed

[Arnold Palmer]

I claimed this year. It is not a modification. No mention of it by the underwriter from Aviva anyway.

[Aqua Power Solutions]

Stuart, just renewed mine in Dec, all companies I spoke to deemed as a mod. Glad you got paid out by yours but as you know insurance companies will/can dispute if there is cause to ,Ed

[Arnold Palmer]

I don't understand why a water tank is a modification. If a builder carries a barrel of water does he need to phone his insurance company and tell them he has modified his van?

[kempy]

It is absolutely Scandulous we get charged about a extra £150 for declaring my bolted in system that is fully safe .

Roofers , builders , plumbers etc  overload their vans and have everything all over the place .

Insurance is just a NEGATIVE in our Trade .

My transit T300 will be about £500 next August .

[Mike #1]

The reason it is a mod is that whether it is bolted or strapped it is in the back of your Truck or Van on a  permanent basis .

Were as builders etc constantly having various loads of all shapes , sizes and weights which are loaded and unloaded at various times , As with us windys we are and have to state that we are carrying on average 500kg on a work day .

Which the insurers consider a higher risk , They should look into builders etc as Kempy said i have seen quite a few with tipper transits with stuff just chucked in the back not secured and overweight . Mike

[Arnold Palmer]

Still not a modification though is it?

[Mike #1]

Anything that is not a standard factory fit is classed as a modification  . Mike

[Arnold Palmer]

The whole point of vans and trucks is that they are designed to carry certain payload straight out of the factory. Putting a tank full of water in there is not a modification.

[tlwcs]

Anything that is not a standard factory fit is classed as a modification  . Mike
[/quote

Even a roof rack is a mod to insurance thieves, sorry companies

[Arnold Palmer]

Sounds to me like the sales person is screwing more money out of you than you need to pay.

This is what an loss adjuster came to look at in July this year:



The word 'modification' was never uttered.

[Aqua Power Solutions]

Us windies , pay more because they have declared a water tank fitted to the vehicle. We are all with different insurance companies, some insurance companies will not insure your vehicle because of this, as previously  mentioned you alter the spec of the vehicle ie, alloy wheels it is a mod. I will pay my extra fee knowing I have nothing to worry about each day I'm on the road, merry Xmas to you all Ed

[Klean07]

Lets all sign a petition and send it to Watchdog or Dom Littlewood!!

[♠Winp®oClean♠]

I'm with Stuart on this. In 10 years WFP not once has my insurance provider ever asked what I carry or how AND I'm a declared window cleaner!!

My neighbour wrote off his Berlingo this summer- strapped in DIY system. Loss adjuster came out to view, nothing was even questioned & he got paid out in full.

I'll never understand why anyone wants to pay £100 for something that's marked up @ £50!!

[DaveG]

Hi Soupy,

I'm with you on this too. Don't get me wrong, I like the way you customise your Landys for work, but surely they class it as a modification, judging by the one in that pic?

[Arnold Palmer]

Nope. Perhaps they treat me differently due to the amount of vehicles and drivers I insure. All I give them is reg numbers and names.

[DaveG]

Cheers Stu,

Was just wondering.. My insurance have never asked me either!