[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?

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

So would I.
Though I do find the insurance company telling you in advance that they won't is usually enough...

[Soupy]

Obviously if an insurance company says don't do something or we won't pay out you don't do it.

I have been insuring vans for 15 years, in that time I must have had 100+ insurance quotes. It's never came up.

[EandM]

Obviously if an insurance company says don't do something or we won't pay out you don't do it.

I have been insuring vans for 15 years, in that time I must have had 100+ insurance quotes. It's never came up.

Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?
The issue came up on every quote I discussed which put me on to the brokers about four years ago.
It came up again this year through the broker but it did help in getting to someone who would quote.

In the end I stayed with Flux.

[Soupy]

Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?

I can't get quotes through price comparison sites.

[EandM]

Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?

I can't get quotes through price comparison sites.

That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...

[Soupy]

Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?

I can't get quotes through price comparison sites.

That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...

Pretty sure I had this conversation last year.

On here.

With you.

http://www.cleanitup.co.uk/smf/index.php?topic=180119.msg1529137#msg1529137

[EandM]

Perhaps it's a symptom of going through price comparison sites and not straight to the specialists ?

I can't get quotes through price comparison sites.

That's where I usually start as it gives you an idea of the price range.
Just looking at your other post and thinking - I've been insuring vans for well over 20 years and I expect that this issue hasn't come up before because WFP systems haven't generally been around for that long and are only recently being encountered in sufficient numbers for the insurance companies to have a criteria for them...

Pretty sure I had this conversation last year.

On here.

With you.

http://www.cleanitup.co.uk/smf/index.php?topic=180119.msg1529137#msg1529137

I thought it sounded familiar !!
Have we reached any conclusions this time ?

[Soupy]

Guess not.

 

[CleanClear]

You also get a fee Meerkat toy from comparethemarket.

[EandM]

 

[trevor povey]

my quote from A plan is 700.00 7 yrs ncd and a 650 ltr tank.... always thought like ive been skanked better give the flux fella a ring ...anyone furnish us his number?

[paulben]

Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year

[Ian101]

Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year

and the name of your insurance company is ?? ................................................................................................ 

[Soupy]

Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year

Did you have tanks in the back? If so was it even mentioned?

[DaveG]

Last year my van was hit and written off other driver drove off on a Tuesday dinner time. .Insurance money in bank by Friday morning never had to fill any forms in all done over phone. Had a standard courtesy van next day. so renewed again this year with them as I know they pay out quick when you need it .was £280 now gone up to £284 this year

and the name of your insurance company is ?? ................................................................................................ 

+1 ??

[wpclean]

The crazy thing about insurance is if you have a tank proffesionally fitted, and bolted into the van it is classed as a modification and the price will be more expensive . . . . however if you used a similar size tank, and it was held in the van by a couple of elastic bands then it is not modified, and you will pay a cheaper price 

[AuRavelling79]

>EandM

Driving across your own field ... why worry about being insured for that? Not illegal to drive on private land with the owner's (your) permission surely?

How do farmers manage with say a landrover?

Am I missing something here?

[paulben]

Tank was in van and they never asked . only asked what happened and what was the damage .

[EandM]

>EandM

Driving across your own field ... why worry about being insured for that? Not illegal to drive on private land with the owner's (your) permission surely?

How do farmers manage with say a landrover?

Am I missing something here?

No you're not missing anything and is quite legal.
However, the broker at Gladiator declined insurance when I mentioned that I had to drive across the field to get at the water. So I asked him if the insurance wouldn't cover the off road use but he was very clear in pointing out that ANY off road use would void the policy in it's entirety ?!

Which sounds quite mad ! We eventually settled on using established tracks as per my earlier post but in reality the whole concept is unenforceable and not workable in the real world.

If you insure a Land Rover through NFU, Flux or any of the specialists I expect this is a contingency that they're prepared for - it just doesn't seem to work when you go through a conventional. on-line broker.

[Soupy]

Tank was in van and they never asked.

Of course they never.

It isn't a modification.

It was a van doing vanly stuff in a vanlike manner.