[֍Winp®oClean֍]

I have a car designed to carry the driver and Four passengers. If someone sits in the back with their seat belt on would that be classed as a modification? Of course it wouldn't.

That’s a statement that doesn’t make any sense ???if a seat belt is fitted it’s a seat and designed as such

🤣🤣🤣
Load area? Lashing points? Purpose of design? Ring any bells?

they arnt load rated for a water tank though ask the manufacturer to give you load ratings per fixing , have you ever taken one out and looked at the size of the bolt and how it’s fixed to the floor , I have seen builders vans that have bent the floors up and snapped off the securing eyes to hold down building materials that don’t have inertia like a tank  with water in it will , especially in a Renault and Peugeot based vehicles.

The question isn't about safety, or whether the lashing points are up to the job. Both are irrelevant to this debate. Neither is the fact that 'clearly' having drilled through the van floor and plated or bracketed fixings to secure a permanent tank cage does indeed constitute a 'modification'.
The only debate here is whether a removable tank, held in place by ratchet straps anchored to the factory lashing points..... constitutes a modification from factory spec' in regards to insurance policies.  Seen as though 'nothing' has been modified on the vehicle in this situation the answer is NO. Opinions on safety etc are all separate issues.

[Stoots]

If a tank has been strapped then the van hasnt been modified has it - by definiton.

Its carrying a load

Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.

[Splash & dash]

If a tank has been strapped then the van hasnt been modified has it - by definiton.

Its carrying a load

Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.

See email above

[Splash & dash]

Ime waiting for a reply winpro 😂😂😂😂

[Stoots]

If a tank has been strapped then the van hasnt been modified has it - by definiton.

Its carrying a load

Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.

See email above

Thye seem to agree with me - its isnt a modification....

I would suggest that line they have put about a strapped tank would be open to debate in a court. When you take out the policy you are asked about modifications, which its clearly not.

Are they suggesting you need to tell them that you will be carrying a load, any load which is what vans are designed to do ? i would say thats b******s. you are carrying a strapped load it makes no difference if its water, bricks, bikes or whatever.

[Innocence & Experience]

YAWN

[DJW]

Yes the email says quite clearly it’s not a modification.

[Splash & dash]

Yes the email says quite clearly it’s not a modification.

It also says quite clearly it has ti be declared or a claim could be rejected

[Splash & dash]

If a tank has been strapped then the van hasnt been modified has it - by definiton.

Its carrying a load

Of course more detail would be found in the small print of a policy but if they are asking me "does the van have any modifications" and my tank is strapped to the factory lashing points - then its a clear no.

See email above

Thye seem to agree with me - its isnt a modification....

I would suggest that line they have put about a strapped tank would be open to debate in a court. When you take out the policy you are asked about modifications, which its clearly not.

Are they suggesting you need to tell them that you will be carrying a load, any load which is what vans are designed to do ? i would say thats b******s. you are carrying a strapped load it makes no difference if its water, bricks, bikes or whatever.

No idea to be honest just telling you what I have been told in writing and been told verbally by dozens of insurance companies since 2003

[Stoots]

Yes the email says quite clearly it’s not a modification.

It also says quite clearly it has ti be declared or a claim could be rejected

"could" as in its not a modification and doesnt need to be declared but would be looked at in the event of a claim.

And the argument against is im carrying a load which is what a van is designed to do and no where in the policy does it state i cant strap a tank. They have added that bit only because you asked them to simply warn you it "could" be an issue.... i bet it doesnt state it in the policy wording anywhere. Because its made up and doesnt exist.

When i get an online quote i am asked if its  modified. No is the correct answer...then i read the policy and nothing in there excluding strapped loads. They cant add a bit on afterwards 

[Splash & dash]

Yes the email says quite clearly it’s not a modification.

It also says quite clearly it has ti be declared or a claim could be rejected

"could" as in its not a modification and doesnt need to be declared but would be looked at in the event of a claim.

And the argument against is im carrying a load which is what a van is designed to do and no where in the policy does it state i cant strap a tank. They have added that bit only because you asked them to simply warn you it "could" be an issue.... i bet it doesnt state it in the policy wording anywhere. Because its made up and doesnt exist.

When i get an online quote i am asked if its  modified. No is the correct answer...then i read the policy and nothing in there excluding strapped loads. They cant add a bit on afterwards 

I had this discussion with them they said a builders van transports materials from point a to point b and is then removed from the vehicle a WFP tank is permanently in the van in most cases .

[NWH]

It’s easy enough Splash you just fill a form in online and just say your a contract cleaner m8,some people just refuse to pay upwards of 500 notes what full insurance cover for 2/3rds of a days pay when we are both on the glass,I think that’s a bargain tbh if you are having to um and ah over a few 100 notes forget worrying about insurance costs I’d be looking to be earning more money.

[NWH]

The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.

[֍Winp®oClean֍]

The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.

Explain how you can bend any truth when you answer every question truthfully? Isn't  it time for your breast feed Nigel?
My premium is £203 fully comp, including protected no claims and motor legal protection. It also covers my wife to drive it too.😄😎👌

[Simon Trapani]

Think this thread’s done isn’t it? Each to their own & all that. I’m happy with what I got as are you.

[Splash & dash]

The only time you’ll ever know how well you’re covered is when you pick the old phone up and need to put a claim in,you can go years upon years filling online forms in bending the truth.

Explain how you can bend any truth when you answer every question truthfully? Isn't  it time for your breast feed Nigel?
My premium is £203 fully comp, including protected no claims and motor legal protection. It also covers my wife to drive it too.😄😎👌

Premium price will depend on the age of the van , make model, location , is it parked on or off road , age of driver’s , previous claims and a host of other things no two peoples will be the same .

[Smudger]

Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin

The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van

As said earlier it was about modification NOT safety or the tie down capacity etc…

Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people

Darran

[Splash & dash]

Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin

The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van

As said earlier it was about modification NOT safety or the tie down capacity etc…

Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people

Darran

I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion

[֍Winp®oClean֍]

Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin

The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van

As said earlier it was about modification NOT safety or the tie down capacity etc…

Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people

Darran

I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion

ONLY through Alexander Swan doesbthis apply. You are quoting ONE insurance broker- there's thousands of them, both online and off. I actually think AS are being disingenuous here too, regarding the straps.

[Splash & dash]

Splash - clearly it says a strapped down tank is not a mod - be the bigger man, hold your hands up and take your error on the chin

The caviate from insurance would be you had an accident with 600 litres of water when the payload is only 500 for a he van

As said earlier it was about modification NOT safety or the tie down capacity etc…

Quite frankly as long as your happy with your insurance- less me I am and got it covered whyworry about other people

Darran

I think you also have missed the point , that it still needs to be declared it may or may not affect the premium price but still needs to be on the policy or the insurance may be invalid in the event of a claim is what I said all along and that’s what is said in writing. Ok it’s not a modification that’s fine but the insurance company must be informed. It’s there in black and white .
I agree this isn’t about safety on this occasion

ONLY through Alexander Swan doesbthis apply. You are quoting ONE insurance broker- there's thousands of them, both online and off. I actually think AS are being disingenuous here too, regarding the straps.

It’s not only them I have spoken to the majority of insurance companies over the years and they have all told me the same thing , Alexander swan are only brokers they don’t set the rules they just find the best prices for each persons needs , I have spoken to A plan , ageas ,  Allianz , Axa ,and many others all say the same thing . Don’t understand why some seam to get different results?..