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duncan h

  • Posts: 1875
van insurance rip off
« on: December 06, 2014, 11:44:47 am »
Just did a quote as van insurance due at end of year. Confuced.com asked if any mods etc. Even listed water tank. I click yeas and "SORRY WE CANT INSURE YOU" My point is, Its not actually a mod. Its still standard. Wont mention the extra seats in back for dogs lol.
DO any of you list tank and don't get stunned.
I am 49 15 years NCB. No points etc. £291. Add wife with 3 points for using mobile and 1 no fault claim £389. This is stating van as standard   ::)roll

deeege

  • Posts: 5010
Re: van insurance rip off
« Reply #1 on: December 06, 2014, 11:48:29 am »
I've found the comparison sites useless when you want to declare the fitted tank. What you need to do is speak to a broker. I've recently used A-plan and was more than happy with the price and service so far.

It's hardly worth not declaring the tank as you are giving them perfect excuse not to cover you in the event of an accident.
"....and it's lend me ten pounds, I'll buy you a drink, and mother wake me early in the morning."

Mike #1

  • Posts: 4668
Re: van insurance rip off
« Reply #2 on: December 06, 2014, 11:51:49 am »
APlan ring Dan 01993 841841 i have dealt with Dan for over 3 years now and have always got the best deal i now get my PL ins and home insurance through APlan

EandM

  • Posts: 2182
Re: van insurance rip off
« Reply #3 on: December 06, 2014, 11:58:01 am »
Search for this topic - it's a constant problem.

According to some Insurance Companies 'Mods' are ANYTHING it didn't have when it left the factory.

Adrian Flux / A-Plan etc have brains not scripts - try them.

Klean07

  • Posts: 3228
Re: van insurance rip off
« Reply #4 on: December 06, 2014, 01:54:08 pm »
I've been with A-Plan for last 3 years as they specialise in our kind of work. Before I went with these I was with Direct Line who were cheaper by about £100! But as soon as they started asking questions about tank/water etc I knew my premium would rise. The way they were asking the questions it was like I had got weapons of mass destruction inside my van!
kkleanwindowcleaning.co.uk

Spruce

  • Posts: 8465
Re: van insurance rip off
« Reply #5 on: December 06, 2014, 02:57:39 pm »
Just got sorted with A Plan - Richard Allen.

Ageas seem to be one of the few that will consistently insure vans with built in water tanks. Don't waste your time on price comparison websites is MHO.
Success is 1% inspiration, 98% perspiration and 2% attention to detail!

The older I get, the better I was ;)

Clever Forum Name

  • Posts: 5942
Re: van insurance rip off
« Reply #6 on: December 06, 2014, 02:59:30 pm »
Ageas has a terrible reputation of not paying out. Just search the net. My gf never got paid out in a non fault accident.

Clever Forum Name

  • Posts: 5942
Re: van insurance rip off
« Reply #7 on: December 06, 2014, 03:07:31 pm »
http://www.reviewcentre.com/Car-Insurance/Ageas-www-ageas-co-uk-reviews_1407238

Gives you a taste of what to expect if you have to claim.

wpclean

Re: van insurance rip off
« Reply #8 on: December 06, 2014, 05:10:13 pm »
Hastings Direct were the cheapest, and most comprehensive cover for me with the tank in the van.

duncan h

  • Posts: 1875
Re: van insurance rip off
« Reply #9 on: December 06, 2014, 05:18:01 pm »
They are all a rip off and avoid paying at all costs. This is why I normally tell them nothing and pay peanut's lol

Frankybadboy

  • Posts: 9022
Re: van insurance rip off
« Reply #10 on: December 06, 2014, 05:20:48 pm »
try aviva they insure my van with a 650 tank in and another with 300 ltrs in ;)

johnny bravo

  • Posts: 2699
Re: van insurance rip off
« Reply #11 on: December 06, 2014, 05:24:21 pm »
i went with Gladiator insurance,  on compare the market.      i also got a free meerkat.    0 no claims bonus on van,    12 on car,     £20 less than A plan,     A plan   are easy to contact,     Gladiator is hit and miss   trying to get through to them,

dave0123

  • Posts: 3553
Re: van insurance rip off
« Reply #12 on: December 07, 2014, 03:21:22 pm »
Quote
They are all a rip off and avoid paying at all costs. This is why I normally tell them nothing and pay peanut's lol

Yea pay peanuts ..but you wont be insured because you haven't told them  ???
Dave.

deeege

  • Posts: 5010
Re: van insurance rip off
« Reply #13 on: December 07, 2014, 04:01:54 pm »
i went with Gladiator insurance,  on compare the market.      i also got a free meerkat.    0 no claims bonus on van,    12 on car,     £20 less than A plan,     A plan   are easy to contact,     Gladiator is hit and miss   trying to get through to them,

Did you declare your tank with Gladiator?
"....and it's lend me ten pounds, I'll buy you a drink, and mother wake me early in the morning."

chanster00

  • Posts: 271
Re: van insurance rip off
« Reply #14 on: December 07, 2014, 04:20:52 pm »
APlan ring Dan 01993 841841 i have dealt with Dan for over 3 years now and have always got the best deal i now get my PL ins and home insurance through APlan

+1 dan is the man!

johnny bravo

  • Posts: 2699
Re: van insurance rip off
« Reply #15 on: December 07, 2014, 04:33:27 pm »
you HAVE to phone them up to comfirm they will insure you.  as with most insurance companys     strapped or bolted down,    no difference,  as  long as they acknowledge your request,  you must state what size tank. most only go upto 650 litres

Matthew Broadhead

  • Posts: 19
Re: van insurance rip off
« Reply #16 on: December 07, 2014, 05:55:50 pm »
I'm with lv. They said business insurance with them covers anything you have in your van for work. Cheapest I could find

Plankton

  • Posts: 2441
Re: van insurance rip off
« Reply #17 on: December 07, 2014, 09:33:49 pm »
I told them my load varies from week to week or even day to day. One day tank, next no tank but containers backpack and machine and so on. I also said I may stick a towbar on soon and they said a towbar doesn't count as a modification on commercial neither dose your equipment and goods for work.

duncan h

  • Posts: 1875
Re: van insurance rip off
« Reply #18 on: December 07, 2014, 09:55:49 pm »
Ok so a 250 ltr tank strapped down. What is the difference to carrying one as goods and as a wfp tank? the wiring. Its all a rip off. As long as you are under the vans gross weight and its not a chemical or gas.....grrrrrrrr

dave0123

  • Posts: 3553
Re: van insurance rip off
« Reply #19 on: December 08, 2014, 12:01:29 am »
Quote
Ok so a 250 ltr tank strapped down. What is the difference to carrying one as goods and as a wfp tank? the wiring. Its all a rip off. As long as you are under the vans gross weight and its not a chemical or gas.....grrrrrrrr

Because you haven't told your insurance company that you have a tank in the back! so if you crash there going to turn around and say your not insured because you didn't tell us about the tank.

When insuring mine and speaking to aviva telling them i had a tank in the back i was saying... i dont want the tank insured i am just letting you know whats in the back of the van... there answer was... yes that's fine you wouldn't be insured if you didn't tell us so we can put it  down on your policy.
Dave.