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NWH

  • Posts: 16952
Re: Van Insurance Issue
« Reply #80 on: December 31, 2019, 07:49:18 pm »
I’ve yet to see a plastic water tank which has been built or modified to take straps,that’ll be the reason they have a frame of some sort round em then.
You may be insured on paper but from what I’ve been told from quiet a few insurers paper is all it is,if I didn’t declare a tank as a fixture for daily use as I said I could reduce my premium by at least 200 quid,I’d be driving round like a nervous wreck though 5-600 litres held down by 2/4 straps lol good luck.

Simon Trapani

  • Posts: 1561
Re: Van Insurance Issue
« Reply #81 on: December 31, 2019, 07:59:03 pm »
IMO you are more risk of the insurance company having issue with a local garage bolting your tank in.... come claim time. Can't really argue with the standard, manufacturer designed, tested and supplied system.... but your local garage?

Standard specification Vs local garage  untested, modified vehicle? It's more plausible they could argue against the expertise, competence, design, test and suitability of both the supplier and installer IMO. That's the bigger "get out" opportunity.

With all due respect I don't really care about your opinion on this Peavey. I only care about my insurer's opinion, Alexander Swan. I told them both systems were fitted by my local garage. I have hidden nothing. And you're implying my local garage are bodgers which they certainly are not.

All the best anyway. This one always sparks debate. I'm happy with mine.

Happy New Year to you all.

֍Winp®oClean֍

  • Posts: 1688
Re: Van Insurance Issue
« Reply #82 on: December 31, 2019, 08:18:57 pm »
I’ve yet to see a plastic water tank which has been built or modified to take straps,that’ll be the reason they have a frame of some sort round em then.
You may be insured on paper but from what I’ve been told from quiet a few insurers paper is all it is,if I didn’t declare a tank as a fixture for daily use as I said I could reduce my premium by at least 200 quid,I’d be driving round like a nervous wreck though 5-600 litres held down by 2/4 straps lol good luck.

Imagine if brains were dynamite!!🤣🤣
Comfortably Numb!

֍Winp®oClean֍

  • Posts: 1688
Re: Van Insurance Issue
« Reply #83 on: December 31, 2019, 08:33:59 pm »
IMO you are more risk of the insurance company having issue with a local garage bolting your tank in.... come claim time. Can't really argue with the standard, manufacturer designed, tested and supplied system.... but your local garage?

Standard specification Vs local garage  untested, modified vehicle? It's more plausible they could argue against the expertise, competence, design, test and suitability of both the supplier and installer IMO. That's the bigger "get out" opportunity.

With all due respect I don't really care about your opinion on this Peavey. I only care about my insurer's opinion, Alexander Swan. I told them both systems were fitted by my local garage. I have hidden nothing. And you're implying my local garage are bodgers which they certainly are not.

All the best anyway. This one always sparks debate. I'm happy with mine.

Happy New Year to you all.

It's not just about opinion Simon, its about common sense, logic and facts. Very clearly, we are BOTH insured. However, a certain "industry expert" seems to know my insurance policies better than me- even though he's never seen them, knows who the broker or underwriter is etc. And.. this apparently factual statement is founded on "from what I've heard". WOW, Just WOW!🤣
Instead of just accepting that he now has to pay increased premiums because of his van's modification, for some strange reason he's decided to talk utter nonsense on a subject that he clearly knows nothing about- most probably in a self-deluded attempt to justify being relieved of his hard-earned more severely than some others!!👍
Comfortably Numb!

NWH

  • Posts: 16952
Re: Van Insurance Issue
« Reply #84 on: December 31, 2019, 08:57:04 pm »
I bet you pull your tank on you’re pony and trap Peavy lol,it’s not a modification because you can use it as a shower outside your caravan when you get back lol.

Ralphie

  • Posts: 130
Re: Van Insurance Issue
« Reply #85 on: December 31, 2019, 10:27:39 pm »
You're repeating everything I have already said Ralphi...... get with the programme!!😄

You type too quick.

Frankybadboy

  • Posts: 9022
Re: Van Insurance Issue
« Reply #86 on: January 01, 2020, 10:12:28 am »
How do HGV’s get away with carrying a load of full IBC’s?
I assume they’re not bolted to the chassis of the container when being carted half way across Europe?


Tank cage bolted to floor of van = modification = declare to insurance (this is what I have)

Tank rachet strapped to loading points = no modification = no need to declare.

The issue of which is safest is another debate.

At least someone understands!!😄👍
lorry load

reason for not strapping full loads of ibc

the bulk head of a lorry trailer has a max weight strength,that is well reinforced at the bottom to try to  stop loads moving forward,

curtains of the lorrys have reinforcement built into the straps and the sheets some times mesh

the side of the trailer also somtimes haves lips to stop sideward movement,also a lorry when turning doesnt tilt like  a van does on one side,air suspensions helps with this,

load straps used on lorries are rated min of 30ton and cost £30 plus a piece also curtain trailers have inside straps,are and you have some anchor points on some trailers but most of the strapping is done to the underside of the trailer or right under on to the chassis,chains are used when only carry steel or machines 

so a full load would only have the backs ones strapped down,and you shouldn't ever double stack fully loaded ibc when transporting as this would have  effect of overloading on a vehicle and max you would carry are 26 fully loaded ibc,the max a trailer can take   


ex lorry driver and transport manager  ;D ;D ;D ;D 

Dry Clean

  • Posts: 8859
Re: Van Insurance Issue
« Reply #87 on: January 01, 2020, 11:55:15 am »
I bet you pull your tank on you’re pony and trap Peavy lol,it’s not a modification because you can use it as a shower outside your caravan when you get back lol.

Back to your childish wibble then Nigel, and still no link to your online insurance form with the bolted in tank tick box, not that any of us really expected one.

NWH

  • Posts: 16952
Re: Van Insurance Issue
« Reply #88 on: January 01, 2020, 02:30:36 pm »
I don’t fill any insurance forms in online m8 my insurance company A Plan told me this is done on a daily basis with vans,you can leave out or fill in what you like it’s at your will to put down what you like but if you leave out things that shouldn’t be in effect you are driving around uninsured.

NWH

  • Posts: 16952
Re: Van Insurance Issue
« Reply #89 on: January 01, 2020, 02:39:03 pm »
They told me they only have 2 underwriters that will take window cleaners that are WFP and then the tank has to be bolted or contained within a frame.
Of course you will get insured it’s very competitive the insurance market like many,it’s up to you to check you’re policy and what’s covered how many people read right through all that small print I know I never used to. I’m not knocking I’m saying be careful because a few insurance companies I’ve spoken to have all said the same,if you ring and say I’m a window cleaner I want insurance they’ll quote you for vehicle only.