[Dry Clean]

I think most would agree that a tank should be bolted and fitted securely through the chassis to be safe and should be declared to the insurance to cover yourself in the event of an accident.

But a lot will just buy the cheapest insurance possible and strap a tank to the anchor points even though they know its not the best thing to do, probably because they have been doing it years and never had a problem.

No what you are talking about is the best of the cheapest, the better company's don't seem to bother with silly non enforceable get out clauses, my tank frame is bolted in, it doesn't effect the road handling power of the vehicle or make the vehicle more likely to be stolen, so under the law my insurance must pay out declared or not which is why my insurance company wasn't interested when I mentioned it.

[֍Winp®oClean֍]

The issue was whether you are insured....... not which method of tank restraint is the safest.

[Dry Clean]

Will say again, how many people have bought a used car that has a tow bar and haven't even given it a second thought nevermind declare it ? do you guys honestly think that in the event of an accident these people aren't insured ?

[NWH]

It is illegal to remove the rear ram bar that is situated under the bumper of a vehicle,they are 9 times out of 10 replaced with a tow bar that has its own ram plate attached to it.
I have it on my van and when I wanted to get it taken off the MOT testers told me that’s fine but I’d need to buy a different flush ram bar to replace it.

[Ralphie]

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.

You are very nearly right, I have ad a bit if experience of this and can tel you that  a fixed tank is a modification and that you using anchor points are just as insured as the next man as you are using the correct fixing points.

Unfortunately for everyone who is insured, it is the insurers job not to pay out and he/she will try their best not to pay - I crash and my fully fitted water tank  bust through my rear doors or shunted me harder into the back of someone, is it factory fitted? No, it is a modification that you did not declare, I as the insurer am not paying out.

I crash my van,  tank busts through my rear doors or shunted me harder into the back of someone, is it secured using the factory fitted anchor points, paid out (as long as correct strapping is used and you are not exceeding recommended weights for the vehicle).

As already stated, it is the insurers  aim not to pay out, it is the insured persons aim to be paid out, pay the correct insurance and you won’t have an issue if the unfortunate happens.....

[Ralphie]

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.👍

It’s not the carrying of water, it’s the modification of the vehicle by drilling, fixing water tank to vehicle.

[֍Winp®oClean֍]

You're repeating everything I have already said Ralphi...... get with the programme!!😄

[David Beecroft]

I’m late to this conversation but it seems to me that everyone is just giving opinions. The real test is whether anyone who has crashed with just a tank ratchet strapped to the vehicle fixing points has had their claim refused due to not declaring it? Anyone??? 🤔

[֍Winp®oClean֍]

I’m late to this conversation but it seems to me that everyone is just giving opinions. The real test is whether anyone who has crashed with just a tank ratchet strapped to the vehicle fixing points has had their claim refused due to not declaring it? Anyone??? 🤔

There is no requirement to declare a tank strapped in using the manufacturers anchor points unless specifically requested... as this IS NOT a modification. It's like suggesting that the van isn't insured if you carry a passenger- even though the vehicle is designed, manufactured and supplied with a passenger seat and seat belt!!

[Dry Clean]

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.

You are very nearly right, I have ad a bit if experience of this and can tel you that  a fixed tank is a modification and that you using anchor points are just as insured as the next man as you are using the correct fixing points.

Unfortunately for everyone who is insured, it is the insurers job not to pay out and he/she will try their best not to pay - I crash and my fully fitted water tank  bust through my rear doors or shunted me harder into the back of someone, is it factory fitted? No, it is a modification that you did not declare, I as the insurer am not paying out.

I crash my van,  tank busts through my rear doors or shunted me harder into the back of someone, is it secured using the factory fitted anchor points, paid out (as long as correct strapping is used and you are not exceeding recommended weights for the vehicle).

As already stated, it is the insurers  aim not to pay out, it is the insured persons aim to be paid out, pay the correct insurance and you won’t have an issue if the unfortunate happens.....

Have you ever read all the small print on your insurance form ? believe me when I say if your insurance company's number one aim was not to pay out they could easily hide something in all that small print to make that so, what they don't want are guys turning safe to insure low risk vehicles into racing machines or thief magnets which is why they have a modification clause.
Its to reduce or remove the need to pay out and not to wiggle out of a rightful claim.
 

[NWH]

If you strap a tank down with straps all they’ll do is stop it sliding around for my own safety I wouldn’t put a tank in a van like this,if you have an accident the points you strap to usually have 3 bolts with piddly washers I was told in an accident they’d be as useful as celotape.
Most people that strap a tank like this don’t have a properly baffled tank most of the time also at least the ones I’ve seen,why would someone buy a properly baffled tank if they are going to strap it down. A chain is only as strong as it’s weakest link you could have the thickest heavy duty straps you can buy,if they are attached to a loop with 3 tork screws on each corner they are useless they don’t spend all this money on testing for nothing.

[֍Winp®oClean֍]

If you strap a tank down with straps all they’ll do is stop it sliding around for my own safety I wouldn’t put a tank in a van like this,if you have an accident the points you strap to usually have 3 bolts with piddly washers I was told in an accident they’d be as useful as celotape.
Most people that strap a tank like this don’t have a properly baffled tank most of the time also at least the ones I’ve seen,why would someone buy a properly baffled tank if they are going to strap it down. A chain is only as strong as it’s weakest link you could have the thickest heavy duty straps you can buy,if they are attached to a loop with 3 tork screws on each corner they are useless they don’t spend all this money on testing for nothing.

AGAIN, AGAIN, AND AGAIN...........
JUST TO CLARIFY...AGAIN...

THE ISSUE IS NOT WHAT IS BEST, WHAT IS SAFEST, WHAT YOU WOULD OR WOULDN'T BE PREPARED TO DO PERSONALLY.  THE ISSUE IS REGARDING WHETHER YOU ARE INSURED OR NOT IF YOU CARRY A WATER LOAD RESTRAINED VIA THE CORRECT STRAPS TO THE MANUFACTURERS ANCHOR POINTS. YOUR PERSONAL OPINION IS IRRELEVANT!
Geeeeze, can people no longer read?

[RPCCS]

If you strap a tank down with straps all they’ll do is stop it sliding around for my own safety I wouldn’t put a tank in a van like this,if you have an accident the points you strap to usually have 3 bolts with piddly washers I was told in an accident they’d be as useful as celotape.
Most people that strap a tank like this don’t have a properly baffled tank most of the time also at least the ones I’ve seen,why would someone buy a properly baffled tank if they are going to strap it down. A chain is only as strong as it’s weakest link you could have the thickest heavy duty straps you can buy,if they are attached to a loop with 3 tork screws on each corner they are useless they don’t spend all this money on testing for nothing.

Well in that case what are the anchor points fitted for? If they aren’t strong enough to stop a load moving in a crash, then shy are vans designed to carry loads ? Loads on trucks are secured with loading straps. What you are saying means any heavy load is not secure in a crash? If the tank is mounted directly behind the bulkhead and secured to the anchor points it can’t go anywhere if there is a crash

[RPCCS]

The only way to find out if you are covered is to ask your insurer direct, if they say yes, ask for written proof then you can go to slee at night.

[David Beecroft]

I’m really keen to hear from anyone who has had a claim refused because of the water tank being strapped onto the anchor points.

[Stoots]

I noticed on a policy I had a while ago it specifically said not covered for water tanks.

I read it then thought yeh whatever.

It's something I've never even looked into. I just pick the cheapest on go compare and away I go.

When  I was a young lad I always had void policys, couldn't afford to tell the truth about my highly modified rs turbos and the like. Kept In a garage at my mums house with no mods, Thatcham cat 3 alarm and immobiliser, etc... yeh right

[Dry Clean]

The only way to find out if you are covered is to ask your insurer direct, if they say yes, ask for written proof then you can go to slee at night.

No need, the onus is on the insurer to prove what they have or haven't told you which is why they automatically record all phone calls.

[robert mitchell]

If you strap a tank down with straps all they’ll do is stop it sliding around for my own safety I wouldn’t put a tank in a van like this,if you have an accident the points you strap to usually have 3 bolts with piddly washers I was told in an accident they’d be as useful as celotape.
Most people that strap a tank like this don’t have a properly baffled tank most of the time also at least the ones I’ve seen,why would someone buy a properly baffled tank if they are going to strap it down. A chain is only as strong as it’s weakest link you could have the thickest heavy duty straps you can buy,if they are attached to a loop with 3 tork screws on each corner they are useless they don’t spend all this money on testing for nothing.

Well in that case what are the anchor points fitted for? If they aren’t strong enough to stop a load moving in a crash, then shy are vans designed to carry loads ? Loads on trucks are secured with loading straps. What you are saying means any heavy load is not secure in a crash? If the tank is mounted directly behind the bulkhead and secured to the anchor points it can’t go anywhere if there is a crash
[/quote

Yes it can , van bulkheads are not that strong.

[NWH]

Those straps will not stop a tank full of water shooting forward and squashing you like a fly in a crash,some people say they are covered but they won’t be around to put the claim in if someone bangs em from behind or they hit a wall at speed lol. Thanks but I’d rather have a tank bolted to the floor and also have a bulkhead keeping me away from a flying tank,there’s some companies that’ll insure anything they want you’re money,the proofs in the pudding or the claim when-if it comes. 
I know I’m covered to carry a water tank I’ve told them, I’ve not just left that box blank on th online form lol.

[Dry Clean]

Those straps will not stop a tank full of water shooting forward and squashing you like a fly in a crash,some people say they are covered but they won’t be around to put the claim in if someone bangs em from behind or they hit a wall at speed lol. Thanks but I’d rather have a tank bolted to the floor and also have a bulkhead keeping me away from a flying tank,there’s some companies that’ll insure anything they want you’re money,the proofs in the pudding or the claim when-if it comes. 
I know I’m covered to carry a water tank I’ve told them, I’ve not just left that box blank on th online form lol.

Iv yet to find an insurance company that had online form with a do you have a bolted in tank box to tick, could you put up a link as I would like to check this out.