[P @ F]

As above , im getting  proper peed off with it at the mo , just had my renewal in £550 with the AA underwritten by Highway .
So i had a search around and its getting hard these days , loads dont touch tanks , if they do they have to be a pro fit and a certain size , i only have a 350 for gods sake !

So i get on Go Compare and get a result , Admiral underwritten by Gladiator £282 but no ability to add water tank , so i ring Admiral to check it out once the quote has a ref number .
The guy says no problem Gladiator are not fussy about tanks its all good sir (alarm bells in my head) , i then ask him if my policy will be printed with the added water tank on it , he then tells me it wont , but they will have it on record their end , now call me a worrier , but do you think this chap is trying to pull a bit of a crafty move ?

I only ask as i have heard that this is common place with Gladiator themselves , you need to claim and it turns out that you are not actually covered as its not printed on the policy .

Anybody with them or shed any light at all

Thanks Rich   

[The Jester of Wibbly]

Had the same problem with gladiator quote as they refused to put it in writing.  Again just saying it's on there system. So if you do have a problem and need to claim you have no evidence you declared the tank. They then could get away with dennying it.  Never accept a policy without seeing it in writing first.

Try Aplan or aviva.  Avoid comparison sites.

[duncan h]

just strap tanks down. Don't fix anything

[P @ F]

Had the same problem with gladiator quote as they refused to put it in writing.  Again just saying it's on there system. So if you do have a problem and need to claim you have no evidence you declared the tank. They then could get away with dennying it.  Never accept a policy without seeing it in writing first.

Try Aplan or aviva.  Avoid comparison sites.

I tried Aviva and they said it would only get cover if tank was pro fitted !

[Don Simon]

We with gladiator and told em about 650 tank and no problems !

[P @ F]

just strap tanks down. Don't fix anything

My tank is strapped in , does this actually mean that i have to declare it as fitted ?
Seems to be a grey area !

[The Jester of Wibbly]

Interesting. Mines pro fitted though.

However surely a strapped in tank is not a modification. No different than strapping a pallet of goods in the back.

[P @ F]

We with gladiator and told em about 650 tank and no problems !

Do me a favour and look at your policy , is the tank mentioned on it ?
If not then you might not be covered , they appear to be bending the rules for financial gain , i wonder if the onbudsman would find this of interest , if they are then a lot of w/c's are not insured !

Rich

[Don Kee]

Do you mean, insured through Gladiator and its underwritten by Admiral?

Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently

On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well

[P @ F]

Interesting. Mines pro fitted though.

However surely a strapped in tank is not a modification. No different than strapping a pallet of goods in the back.

I was thinking exactly that , do plasterers get screwed the same if on a big job that needs 20 bags ?

The other thing , say you use a pf trolley and carry 14 barrels with you , its not technically a tank but is the same volume of water 

[mike1986]

I'm with adrian flux. Mentioned i had a large tank ratchet strapped in and they said that's fine as it is not a permanent fixture and is classed as carriage of goods. I don't have anything in writing but they claim all calls are recorded so i felt that could be used as evidence if ever needed.

[Frankybadboy]

Do you mean, insured through Gladiator and its underwritten by Admiral?

Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently

On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well

they insure as standard any tank upto and a 650ltrs
if you phone them it then ask as a mod straight away

[P @ F]

Do you mean, insured through Gladiator and its underwritten by Admiral?

Mate of mine (Frank from this forum) had this last week; rang up Admiral directly and they've insured him, with tank, no problems apparently

On a side note, I'm with Aviva (I have been for 3/4 years) and they've insured me with tank bolted down no problem as well

It was with Admiral as the front man and underwritten by Gladiator .
Was your tank diy fit or pro fit ?

[G Griffin]

What constitutes pro-fitting when it comes to insurance though?
Are there certain criteria that need to be met?
Do you then get this in writing and are then covered?

[P @ F]

somthing very wrong here , it just seems to be a case of who you get on the phone.

Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct 

[Don Simon]

We with gladiator and told em about 650 tank and no problems !

Do me a favour and look at your policy , is the tank mentioned on it ?
If not then you might not be covered , they appear to be bending the rules for financial gain , i wonder if the onbudsman would find this of interest , if they are then a lot of w/c's are not insured !

Rich

Doesn't mention tank in van, but I have the call recorded when he assured me the tank was included.

[Frankybadboy]

somthing very wrong here , it just seems to be a case of who you get on the phone.

Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct

just normal number on there site

[P @ F]

What constitutes pro-fitting when it comes to insurance though?
Are there certain criteria that need to be met?
Do you then get this in writing and are then covered?

I had major problems when i converted my T4 to a combi , as i had added windows and second row of seats nobody would touch me as the seats were not fitted professionally with paperwork , i had it for the windows but i diy'd the seats in the same manner as the conversion people do , just didnt have the paperwork , the AA was the only company that took me on !

[P @ F]

somthing very wrong here , it just seems to be a case of who you get on the phone.

Does Frank have the number that he called Admiral directly on , as i think i would like to try that to see if what i have been told via go compare contact is correct

just normal number on there site

Thanks Frank , why didnt i think of that 

[Marc Stock]

This is why its best to have a strapped tank. Its not a permanent modification.