[richard groves]

Cheers. My next vehicle will likely be a ranger wildtrak and it's not often I come across a wfp cleaner that uses one for work.

Don't think the 'installation' is going to win any awards for neatness but it works well.

I like this a lot  
I am wanting complete versatility  in my next work vehicle, currently have an old shape peugeot expert with 3 seats, been looking for king cabs as seem a bit shorter than double cabs and street parking in my road tends to be "car sized spaces".

Sorry to deviate from the original topic !

[andyM]

A pain in the butt to stop everything from freezing up on a cold Winter night I would think!

[bobplum]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

just been on to Adrian Flux, £338 cheapest so far, big difference from A Plan at £490, thou give them there due, they got it down to £420.00 this morning, but still a drop to £338.00

[richard groves]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious 

[brianbarber]

Aviva have covered carpet cleaning van and window cleaning van, plus added cover for 3k Truckmount and 4k grippatank in new connect van

Mr B

[EandM]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious 

Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.

[PoleKing]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious 

Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.

Check your small print bud, I'd be very surprised if you're actually covered for off road use.
(Not that I'm bothered, just for your peace if mind...)

[CleanClear]

Use go compare, compare the meerkat etc.......
  Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.

Makes for a cheaper policy with less hassle.

[KS Cleaning]

Use go compare, compare the meerkat etc.......
  Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.

Makes for a cheaper policy with less hassle.

Would also make the policy VOID

[EandM]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

are there any mods to that ranger ? do you mean the tank / is it secured in any way ? can't tell from the pic, just curious 

Adrian Flux people seem very smart. Other companies classed the presence of a tank as being (secured) a modification or (unsecured) uninsurable.
I spoke at length to Adrian Flux, explained what was in the truck, that the tank was unsecured etc and they just listened and gave me a price. I could have saved another £45 this year by switching to Gladiator but they had a few strings attached, namely off road use voiding the policy - Flux neither asked nor bothered so I stayed with them.

Check your small print bud, I'd be very surprised if you're actually covered for off road use.
(Not that I'm bothered, just for your peace if mind...)

'Tis a good point. I have, at length. It's all down to the definition of off road. My water supply is in a field which I have to drive across.
 The Gladiator argument, in a nutshell, is that you can drive off road provided it's on a pre-existing track. So how do I get to my water as there isn't a track ? Same goes for cleaning solar installations, some farm buildings, barns etc. Then it comes down to an un-surfaced, established right of way. Well I can make one by driving to the supply because once that's been done twice it's a right of way - except I can't because it would void the insurance - and this could create problems for the field owner - despite the fact that it's me - do we see the problem here...

You're quite right in that no standard insurance will cover you for off-roading as I can't see any policy paying out after you've fallen off Ben Nevis and rolled 97 times. What's needed is a bit of intelligence and discretion - which Flux seem to do rather well.

[Clever Forum Name]

My father rang aviva. Renewal is £323...... aviva first quote is £205 with all mods declared FC!

Bob where do you live?

[EandM]

Use go compare, compare the meerkat etc.......
  Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.

Makes for a cheaper policy with less hassle.

Yep. Makes for a very cheap piece of paper that works brilliantly until such time as you're involved in some altercation - at which point the very kind insurance company will refund your entire premium with the comforting words, ' You're on your own Matey '

[J.D]

Use go compare, compare the meerkat etc.......
  Top tips.........
1) never mention water tank
2) don't fit one, even if you carry one (see what i did there? NO ? forget it then)
3) don't specifically say you're a window cleaner, say you're a generic (general cleaner), assuming of course you do indeed clean other things besides windows.

Makes for a cheaper policy with less hassle.

Would also make the policy VOID

Do not take this advice on board people, please! One thing you never ever do is withhold information or fiddle with the facts on an insurance policy! Come the day when you need to claim, will be the day when the insurance company will go through your policy with a fine tooth comb and will find any excuse not to pay out! Always be truthful on insurance forms, otherwise it'll bite you on the ass!

[andyM]

Insured my Ranger with Adrian Flux and in two years it's gone down from £480 to £260 with all mods declared - I don't think that's bad at all.

just been on to Adrian Flux, £338 cheapest so far, big difference from A Plan at £490, thou give them there due, they got it down to £420.00 this morning, but still a drop to £338.00

Definitely a cheaper price Bob but........if you are hit by another vehicle you will only get a bog standard van as a replacement vehicle while yours is being repaired.
With A-Plan you will get a van with system fitted so ready to go to work the next day.
This is what swung it with A-Plan for me and I also opted for the extra replacement wfp vehicle cover so that If I have an accident which is my fault I will still get the replacement wfp van.
I was previously with Adrian Flux who admitted that they couldn't compete with A-Plan on the level of cover they provide.
It's not always about the cheapest price but the best cover.
I am secure in the knowledge that I will still be able to work if my vehicle is off the road.

[EandM]

A pain in the butt to stop everything from freezing up on a cold Winter night I would think!

The tank rarely freezes, everything else can be brought in fairly easily.
I have been caught out though 

[Arnold Palmer]

Why why why why why why are you all obsessed with telling insurance companies about your tanks?

Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.

I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.

By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.

Any one not been paid out because they were carrying a tank of water?

[EandM]

Why why why why why why are you all obsessed with telling insurance companies about your tanks?

Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.

I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.

By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.

Any one not been paid out because they were carrying a tank of water?

Because of the half dozen or so companies I've asked for quotes ALL of them tell me that a modification is ANYTHING that the van / truck didn't have when it left the factory. Remember too that Insurance Companies are like Drug Dealers only less trustworthy. Some modifications aren't an issue - upgraded ICE, alloys if they are original optional spec for that model, leather trim, racking etc but it's still a mod and you risk no insurance if you don't tell them and / or financial ruin. Unless you lie to them about your occupation they usually ask Do you carry water ? If so, how much and how do you store it ? Difficult to get 'round that one...

[richard groves]

a pallet of bricks / a tank of water,
I doubt a pallet of bricks could be regarded as a modification
both should be secured in some way in transit for safety, is there a difference ?
amounts to the same situation if you have an accident whilst transporting either 

[EandM]

a pallet of bricks / a tank of water,
I doubt a pallet of bricks could be regarded as a modification
both should be secured in some way in transit for safety, is there a difference ?
amounts to the same situation if you have an accident whilst transporting either 

...Is the same argument I had, at length, with several insurance companies - not all of them as the others refused to quote once a tank was mentioned. Perhaps they think that the water is going to either explode or ignite on impact...
I tried arguing that an unsecured tank was no different to a wheelbarrow - they argued that a tank was a modification and a wheelbarrow was payload because it could be removed - I argued that the tank could be removed - They went back to their binary script and wouldn't budge.
It is getting easier though - the lowest quote I had this year was £160 fully comp but they refused pointblank to insure the truck with the tank - next was £213 with the tank but the already mentioned issue with off road access use. Flux would insure it with no issue other than a conversation about what and wherefore which is why I stayed for another year - additionally we use Flux in the Capri Club for specialist policies and we know from experience that they're very good at thinking outside the rigid structure of the more mainstream companies and delivering a quote based on individual parameters - I suspect A-Plan is similar...

[PoleKing]

Why why why why why why are you all obsessed with telling insurance companies about your tanks?

Vans are built to carry stuff. That's what they do. So long as it's not overloaded I can't see how an insurance company could wriggle out of paying you. Securing your tank is just sensible. How many of you have racks for your poles? Surely by your logic a rack is also a modification? Do you tell them about that? What about fixed reels? Again, by your logic, a modification.

I have fixed tanks, fixed reels, a false floor, and other stuff you'd probably call a modification. Rolled one last year, the insurance company paid out - without any question. That's after the loss adjuster viewed it.

By all means pay the extra - if it gives you piece of mind then the extra couple of hundred quid is probably worth it.

Any one not been paid out because they were carrying a tank of water?

I really would like to know if anyone's insurance hadn't paid out due to a tank.