[dazmond]

They should reward loyalty but they never do....I always renew with another  company then cancel the auto renewal....

is that the same loyalty your customers get when their prices go up  ?

Thankfully there always seems be an insurance company with a "Brand New Customers Only" deal 

Darran

 

Prices can't stay the same in regards to window cleaning but with insurance my vehicles are depreciating every year so shouldn't be going up £150 or so every year.

If only the insurance was based on your vehicle 

C'mon you have to play fair - those office bods need a 20% pay rise to cover the cost of living and that bloke who pops by occasionally to clean the windows - my god some years he put the price up twice so he can get in his 3 holidays a year (I mean he is slipping this year by not going 5*) 

Darran

Never ever have I put a customers price up twice in the same year....in fact mostly I put mine up every 2 or 3 years....

[EandM]

Just had my renewal in:

It's jumped from £360 to £471!

I did have a no fault accident the year before but it does seem rather a lot.

It is for both trucks though.

[tonyoliver]

What ever you do don’t insure with Hastings direct  had a year of hell  with them and their claims management company ims
 just google the reviews to get a judge of their reputation
London insurance seems to be think of  Random  number between 750 and a thousand and charge him that  and oddly enough insurance clerks are lowest cost and tradesmen are highest because they claim we’re moral risks !!
London is hell  at times !!

[P @ F]

My insurers , Swinton , just sent me a letter telling me they will not now insure me with a water tank  WTF !

[NWH]

Just do what 90% on here do don’t declare that you have a tank but swear blind you’ll be fine when you have a crash lol,should get your policy down to about 180 notes.

[EandM]

Just do what 90% on here do don’t declare that you have a tank but swear blind you’ll be fine when you have a crash lol,should get your policy down to about 180 notes.

Mine was only £178 with the tank and vehicle mods declared anyway

[NWH]

Yeah who was that with then I’d like to see the small print on that.

[tlwcs]

Was there a poll I missed to get 90% of non disclosing?

[֍Winp®oClean֍]

In 20 years I've still never been asked, nor had included on a list of assumptions anything regarding the carrying of a water tank! My van isn't modified from manufacturer's spec' though.

[Splash & dash]

In 20 years I've still never been asked, nor had included on a list of assumptions anything regarding the carrying of a water tank! My van isn't modified from manufacturer's spec' though.

It is if you have a water tank in it , wait until you have an accident the claim will be thrown out

[NWH]

⬆️ lol well you never asked me do you have any idea how insurance companies work,you need to disclose information of having a modification-bolted down or even worse strapped down tank.
I have tried to get lots of different quotes over the years and some of the above prices are without tank or just saying you’re a cleaning company.

[Splash & dash]

⬆️ lol well you never asked me do you have any idea how insurance companies work,you need to disclose information of having a modification-bolted down or even worse strapped down tank.
I have tried to get lots of different quotes over the years and some of the above prices are without tank or just saying you’re a cleaning company.

They will always ask is the vehicle modified in any way ?  It’s up to you to say yes and declare the modifications, some will charge more and some won’t but  providing its in writing you are covered if it’s not you arnt simple as that .

[NWH]

I know Splash this has been talked about loads of times before complete nonsense there’s only a limited amount of underwriters that will take WFP,they aren’t telling them that they have a tank.

[֍Winp®oClean֍]

So, tell me how my vehicle is modified..... in any way please???

[Simon Trapani]

Here we again… Been a while since this last cropped up. Grab the popcorn.

[Splash & dash]

So, tell me how my vehicle is modified..... in any way please???

If you put alloy wheels on a vehicle and it didn’t come from the factory with them then you have modified it , if you put a tank in a van bolted or strapped in it didn’t come from the factory with it so it’s a modification , it’s that simple .

[EandM]

Yeah who was that with then I’d like to see the small print on that.

The small print is very thorough and every requirement has been discussed at great length with the broker.
The policy was then built up on these very specific requirements.
The initial setting up of the policy went through four different companies until they found one that was willing to provide the cover needed. I think the first year, when I was 43 was about £550.

11 years ago when I started out with them, just getting tank cover without endless arguments was very difficult. Most insurers wouldn't provide it at all and hardly any would back that up with off road cover.
One company argued that If I ever drove across my field to fill up with water, it would invalidate the entire policy. Getting an insurer that would cover both was initially very tricky.

Gladiator, the broker, eventually found a suitable company and this has changed a few times in the last decade, although as tanks have become more common the number of insurers willing to play ball has opened up considerably.

Current cover is for an unsecured 400 litre tank with all ancillary equipment.
Leather interior, external trim and alloy wheels from a non-poverty spec version.
Off road cover for a variety of applications including use on our land, building sites and solar farms.

The off road cover is still one of the hardest to get as most policies - commercial or private - will not cover you for any off road use whatsoever - worth considering for any of us that regularly work on sites.

Last year it was £178 out of the total £360 policy for both trucks - same company, same level of cover for each truck, myself only to drive, 54, clean licence, second cheapest insurance area in the UK.

Hope that's small printy enough for you.

[Ched]

Different wheel trims, non factory colour coded bumpers, even signwriting can constitute 'modifications'.
Bottom line is if you have a big accident and god forbid kill someone you can be sure your insurance company will do it's best to find a 'modification'!

There is also the issue of carrying an inadequately secured load! If you are using the factory supplied tie downs to hold your tank in, then the insurance company could say that those fixings are not rated for holding the weight of your tank and water!

If you have it professionally or even diy bolted in then someone had to drill holes through the floor. Therefore the floor isn't as it left the factory so it's modified.

In theory an insurance company might have to prove the 'modification' contributed to an incident but they have lots of expensive lawyers that I doubt we could afford to defend us.

In my opinion insurance companies will use any excuse they can to pay out whether justified or not! 

[֍Winp®oClean֍]

So, tell me how my vehicle is modified..... in any way please???

If you put alloy wheels on a vehicle and it didn’t come from the factory with them then you have modified it , if you put a tank in a van bolted or strapped in it didn’t come from the factory with it so it’s a modification , it’s that simple .

Ok then, show me any document that states a tank/load carried and strapped in a commercial vehicle using the factory supplied lashing points is regarded as a modification. I bet you a grand you can't.  I'll wait here.....

[EandM]

The modifications bit is interesting.

In the last 20 years dealing with insurance companies, they all seem to be a law unto themselves.

A modification to some is ANYTHING it didn't leave the factory with - even the stereo, different colour valve caps, non-run flat tyres, roof racks, alloys etc.

Others I've dealt with were quite happy to cover alloys or upgraded interiors IF they came from the same vehicle but at a higher spec.

Still others didn't really seem to care less, whatever you'd done.

The golden rule seems to be, make no assumptions, declare everything and if they try and sting you with a ridiculous price increase or ludicrous conditions, then go elsewhere.