[Ian101]

Currently with Aplan which expires end of Jan ... just renewing house insurance thru go compare as missus wanted the safari baby Oleg  ... thought I would put van thru to see what premium would be .. no way to show tank in back of van as a modification so just put thru quote with no modifications as self employed window cleaner - more for curiosity than anything else

WOW £140 all in fully comp compared to aplan for last 12 months which was £340+

so ...... question is in your opinion ..... if your a trader then a bucket of water and a few drums would be no modification im sure so if a tank of water ratchet strapped down is in my mind just a big bucket of water surely no modifications ?? ... welded in tank then yes a modification

your thoughts and what do you do when it comes to insurance ?

p.s. my tank is now caged in

[Don Kee]

Mines with aviva (i highly recommend)

Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)

Everythings on my paperwork etc, so at least i know i'm covered with no come back

[Ian101]

Mines with aviva (i highly recommend)

Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)

Everythings on my paperwork etc, so at least i know i'm covered with no come back

yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly  a new slx   

[Don Kee]

Mines with aviva (i highly recommend)

Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)

Everythings on my paperwork etc, so at least i know i'm covered with no come back

yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly  a new slx   

Agree mate, thats a decent quote you've got!

If your is rachet strapped in, i wouldn't bother ringing up and 'making sure' of anything, its not a mod (imo)

Try aviva with an online quote though bud (they're not on comparison sites)

[Ian101]

Mines with aviva (i highly recommend)

Rachet strapped they were happy it wasn't a mod, but frame (which i have) is a mod
If i'm honest though, it didn't make a difference to my cover price, (got a quote online, then rang up to confirm about my tank)

Everythings on my paperwork etc, so at least i know i'm covered with no come back

yup was thinking a phone call be best bet but curious what others do ... not a massive cost really but if I can save £200 legitimately then equiv of a new pole ... well nearly  a new slx   

Agree mate, thats a decent quote you've got!

If your is rachet strapped in, i wouldn't bother ringing up and 'making sure' of anything, its not a mod (imo)

Try aviva with an online quote though bud (they're not on comparison sites)

Dial direct inc breakdown and legal protection ... old git now 46 with 8yrs no claims so age helps ... inc sp30 as well 

[ChumBucket]

It's a simple question- "Is your van modified or not"?

My opinion-

If your tank is held in place via ratchet straps to the manufacturers lashing points then NO.

If you have plates/brackets fixed through the floor, either welded or bolted then YES.

[andyM]

WOW £140 all in fully comp compared to aplan for last 12 months which was £340+

Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! 

[kempy]

I hate insurance with reference this water tank .

Mine is professionally fitted and 100% safe

Others are ratchet strap , loose containers etc . I know which one I think is safer .

A builder can throw anything in his van loose and heavy .

Amazing

The insurers just FLEECE us for having a water tank .
My quotes are usually from £450 to £600
For 650 litres

[Richard Shepherd]

For the last 3 years I have been with Hastings

Year one I told them I had a tank fitted in a frame bolted in the back.

Year two they sent me a renewal stating that the price quoted was not valid if I had a tank fitted, rang them and they told me "no problem", insurance renewed.

Just after xmas, got renewal through for third years cover, again it stated price was not valid if I had a tank fitted, rang them and they said "no problem".

Asked them to confirm it in writing this time, just to be sure.

[Smudger]

To me and you, a strapped in tank logically not a modification, however the tank sits in there day in day out, unlike cargo, it can be argued that if you've screwed a bracket to the roof or floor the van has been modified, what do the insurance company accept, ??
You will only know this by providing a list of what's in the van and how it's secured then your covered - don't chance it as these barstewards will screw you over if they see the smallest of get out clauses.

You may save £200 now, but lose £1000's down the line

Darran

[kempy]

Yep .
If you have a crash and it's a Fatel accident and your not primarily at fault . I'm sure the insurance investigators from both sides would have a field day and the Traffic accident Police investigators .

Even in just a normal crash , you could end up void .

The tank is a extra £150 on average I think to a premium .

It is a farce

[ChumBucket]

To me and you, a strapped in tank logically not a modification, however the tank sits in there day in day out, unlike cargo, it can be argued that if you've screwed a bracket to the roof or floor the van has been modified, what do the insurance company accept, ??
You will only know this by providing a list of what's in the van and how it's secured then your covered - don't chance it as these barstewards will screw you over if they see the smallest of get out clauses.

You may save £200 now, but lose £1000's down the line

Darran

It can't be argued, you've either modified your van to fit the water tank or you have not. It's as simple as yay or nay.

If you have provided the correct information to your insurer & comply with their "assumptions" (small print) then you are fully covered & it cannot be argued. If you think this can be argued then on what grounds do you allure to?

[Smudger]

That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.

On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.

We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out

Darran

[Don Kee]

That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.

On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.

We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out

Darran

Maybe i've missed something, but from what i've read, everyone who has posted something so far on this thread has said they've told there insurance company regarding their tank and frame...?
(Except the op!! )

[ChumBucket]

That's exactly what a said, if you've provided all the details to insurance company and got confirmation from them your covered, some posts on here are assuming that they are covered because they have done this or that but not checked with the insurance company.

On my last van I was asked if its ply lined, what difference should that make ? But apparently it does.

We live in a world of lawyer speak, what's logical and straightforward can be easily twisted so us 'laymen' lose out

Darran

Unless all the gear in the back of your van is also insured there's no reason to list it. Providing you have not modified your van other than what is listed in the "assumptions" (like ply lining) then that's it. You don't have to tell them about a tank that doesn't require the van to be modified for you to carry it, full stop.

For the record- I have not modified my van other than what's listed in the policy "assumptions" and none of my gear is covered either. However, I'm DI only so could replace my system for £500. I have no problems whatsoever insuring my van fully comp, including legal protection, protected no claims & a reduced voluntary excess for under £200. Strip those extras off & the bare policy is only approx £140.

So it still really boils down to yay or nay. As annoying as it might be, if it's a yay then you have to live with it.

[Ian101]

WOW £140 all in fully comp compared to aplan for last 12 months which was £340+

Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! 

not for me as declined that cover

[andyM]

WOW £140 all in fully comp compared to aplan for last 12 months which was £340+

Yeah but it's a whole different level of cover.
A-plan supply a wfp fitted out vehicle! 

not for me as declined that cover

You should be covered for the wfp vehicle if you have a non-fault accident with A-plan.
You also can take out an optional extra cover for if you have an accident that is your fault so that you are fully covered.
I opted for the extra cover as it's peace of mind and means that if my vehicle is off the road due to an accident I can still work without interference.
 

[Ian101]

Maybe i've missed something, but from what i've read, everyone who has posted something so far on this thread has said they've told there insurance company regarding their tank and frame...?
(Except the op!! )
[/quote]

I have it in writing from Aplan that tank is in there 

[Susan Dean (1stclean)]

wait for all the bull crappers start saying the rachit slaps are not safe

there full of it  try telling eddie stobart there not safe but what does he know eh

[Frankybadboy]

wait for all the bull crappers start saying the rachit slaps are not safe

there full of it  try telling eddie stobart there not safe but what does he know eh

can you tell me what eddie uses rachet straps for please