[PurefectWindowCleaning]

Just had our renewal come through for both our vans and the company no longer will insure with fitted water tanks.

Reccomendations please of company's that do?

Thanks in advance

[Norman & Sons Window & Gutter Cleaning]

Aviva (Mini fleet) policy

[Pete Thompson]

Alexander Swan.

That is all.

[cgh window cleaning]

A plan
A plan worked out cheaper than alexander swan for me.

[dd]

When you say "fitted" are you referring to professionally fitted "crash tested" system?

[PHILIP HARDY]

Just renewed with Admiral, including a self installed Water tank, only £11 dearer than the cheapest Go-Compare quote.

[The Jester of Wibbly]

Just don't tell them about the water tank,  Durr!!

 

[harleyman]

always one

[NWH]

I’d be careful who you listen too there’s not many who will insure WFP in a van,A-Plan is probably only 1 of a few I’d wager there’s a hell of a lot of WFPolers driving around uninsured as they haven’t told there insurance company they have a tank in the back.
If you don’t tell you’re insurance company you carry water or liquid in quantity you won’t get a penny if you have an accident,you will also be sued for 1000s if you cause damage and injury so it’s advisable you pay the extra few 100 quid.

[Pete Thompson]

I’d be careful who you listen too there’s not many who will insure WFP in a van,A-Plan is probably only 1 of a few I’d wager there’s a hell of a lot of WFPolers driving around uninsured as they haven’t told there insurance company they have a tank in the back.
If you don’t tell you’re insurance company you carry water or liquid in quantity you won’t get a penny if you have an accident,you will also be sued for 1000s if you cause damage and injury so it’s advisable you pay the extra few 100 quid.

Absolutely right.

Alexander Swan is another specialist insurer for WFP vehicles, and they have a fleet of courtesy vans (with ionics systems installed) if your own van is off the road.

Personally I wouldn’t be without that coverage.

If the vehicle modification of a water tank installed is not specifically listed in the actual policy wording, then you won’t be insured.

But don’t worry, you can always tell the police and the family of the person you’ve injured that “someone on cleanitup said it was ok”.

[The Jester of Wibbly]

Too many gulible wc 

[EandM]

Been using Gladiator for a number of years and Adrian Flux before that.

Both are brokers and are very good at not working to a script, like the majority of the mainstream insurers, and they will actually listen and give you the policy you need and not just one they want to sell you.

I have a  400 litre, unsecured tank specifically covered along with off road use, which was very difficult to get through the mainstream.
£190 per year.

[֍Winp®oClean֍]

I’d be careful who you listen too there’s not many who will insure WFP in a van,A-Plan is probably only 1 of a few I’d wager there’s a hell of a lot of WFPolers driving around uninsured as they haven’t told there insurance company they have a tank in the back.
If you don’t tell you’re insurance company you carry water or liquid in quantity you won’t get a penny if you have an accident,you will also be sued for 1000s if you cause damage and injury so it’s advisable you pay the extra few 100 quid.

I assume you can provide evidence of this?

Utter codswallop, anyhow...... My van has not been modified to carry a tank. My tank is secured by the manufacturers anchor points. I have never been asked if I carry a water tank, nor have I ever come across it in an insurer's list of assumptions. If you have modified your van then you are, of course, obliged to declare as such. However, if you have not modified your vehicle then there is no such fact to declare. Then, unless carrying a water tank is specifically listed as an activity that would render the policy void i.e. taxi, racing etc etc or recorded on their list of assumptions then you are indeed insured.

[RPCCS]

I am the same, my tank is secured by ratchet strap to the load bay anchor points. When I was asked about carrying a water tank I said yes but its not bolted to the chassis,  just secured to the anchor points, so its classed as carrying a load. No way will I get a tank fixed to the van, just for an insurance company to take my eyeballs out.

[NWH]

Just wait till you have a claim there is a hell of a lot of small print that would take ages to read,read it I’m sure you’ll see it in the small print somewhere lol.
I’ve had this conversation with A Plan a number of times when renewing the policy and have been told countless times after me asking is this correct,if you register with you’re insurance as a cleaning business they won’t ask and they’ll always take your money if you don’t mention you have one.
A Plan always ask if you are going to be carrying water and how much,if you buy any insurance online it’s down to you as said you don’t have to mention it or tick that box I was also told this,it’s like having an accident within 5 years on your policy and not telling them they’ll still take your money,the fun starts when you put a claim in I’ve had a conversation read back to me over the phone over a year later when I said they quoted something different,when I checked an old policy they were right word for word.

[NWH]

If I didn’t mention I was carrying water I could get my policy down to 200,with a tank in the back I pay around 440.

[֍Winp®oClean֍]

Just wait till you have a claim there is a hell of a lot of small print that would take ages to read,read it I’m sure you’ll see it in the small print somewhere lol.
I’ve had this conversation with A Plan a number of times when renewing the policy and have been told countless times after me asking is this correct,if you register with you’re insurance as a cleaning business they won’t ask and they’ll always take your money if you don’t mention you have one.
A Plan always ask if you are going to be carrying water and how much,if you buy any insurance online it’s down to you as said you don’t have to mention it or tick that box I was also told this,it’s like having an accident within 5 years on your policy and not telling them they’ll still take your money,the fun starts when you put a claim in I’ve had a conversation read back to me over the phone over a year later when I said they quoted something different,when I checked an old policy they were right word for word.

You're just the gift that keeps on giving as far as a-plan are concerned Nigel!!🤣

I bet you can't get a-plan to come on here and confirm your statements?

Have read all my small print and........ I am indeed correct. ZERO restrictions on carrying a water tank- not even a mention! My friend and fellow cleaner wrote his Peugeot partner off a couple of years ago. He had a 400ltr tank strapped in and guess what? Paid out in full with no issue raised, nor even mentioned regarding the water tank. So, there you go, you're wrong.👍

[NWH]

Peavy I am not saying you are wrong I’m telling you what I’ve been told not only by A Plan but also another company I wanted a quote from they told me they won’t insure because of the water tank,if I could get a cheaper quote and had the same cover I’d be interested.
I want full cover and have it with A Plan they cover me with a van fitted with WFP if I’m off the road etc,a lot of people who fill in there insurance online come unstuck because you don’t need to mention about the tank etc,all I’m saying is you need to make sure you mention everything when it comes to insurance when the time comes they won’t pay I know someone who’s job it is within an insurance company to look for get outs,that’s all they do all day long if it’s not in writing and not in black and white you won’t get paid as that person says it’s a racket,she told me you shouldn’t be allowed to fill out a form purely online it should be submitted and then followed up.

[harleyman]

so the next time I insure im gonna ask what the difference is in price  with the tank fitted and one price with out one fitted, then see  what difference there is if any  the main thing in my opinion is declare every thing ,as we all know any chance of an insurance company not paying out they will plus you owe  it to other road users . if you kill some one your on your own not fully covered.

[֍Winp®oClean֍]

so the next time I insure im gonna ask what the difference is in price  with the tank fitted and one price with out one fitted, then see  what difference there is if any  the main thing in my opinion is declare every thing ,as we all know any chance of an insurance company not paying out they will plus you owe  it to other road users . if you kill some one your on your own not fully covered.

So,what about a van filled with bags of cement, plaster, bricks, radiators etc? Do these people have to declare everything they anticipate that they may carry during the duration of any given policy?