[NWH]

If you can prove to them you take it out every night jobs a good n.

[֍Winp®oClean֍]

If you can prove to them you take it out every night jobs a good n.

I'm waiting........

[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 .

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.....

I’ll make it very easy for you ask that to all insurance companies and see what reply you will get , the answer is it’s a modification. And the tie down eyes arnt designed to hold a water tank down , have you looked at the size of the bolts ? Especially in a French vehicle , what you choose to do is up to you of course but should you have an accident then your insurance will be invalid and you could find yourself being sued for many thousands of pounds , if you employ and someone is killed the charge is corporate manslaughter , for the sake of a bit more on the  insurance premium it’s got to be worth the knowledge that you are insured. The insurance premium is likely to be less than you earn for one or two days work .

[Smudger]

This is all very dramatic 

from the past when this subject rages on - my understanding is a strapped down tank does NOT class as a modification - as long as it doesn't overload the vans payload - it is just cargo - no different to 20 barrels of chemical in 25 litre drums etc.. or a cement mixer or a large pallet of books etc..

Bolted in IS a mod - the other thing to consider is self employed Vs employing - as self employed you can do things that a company that employs should not or can not do



Darran

[֍Winp®oClean֍]

Still waiting.....😁
I though this would be so easy too- given that every insurance company under the sun demands it!!😂

[EandM]

This is all very dramatic 

from the past when this subject rages on - my understanding is a strapped down tank does NOT class as a modification - as long as it doesn't overload the vans payload - it is just cargo - no different to 20 barrels of chemical in 25 litre drums etc.. or a cement mixer or a large pallet of books etc..

Bolted in IS a mod - the other thing to consider is self employed Vs employing - as self employed you can do things that a company that employs should not or can not do



Darran

That was the same argument I used with several insurance companies and failed to get them to see the logic.

Bolted in was a mod - sitting there was an unsecured load.
I asked how this differed from a cement mixer or wheelbarrow and was met with silence and then told it's not the same thing because you can take them out.
I replied that I could take the tank out but was again told it wasn't the same thing.


Most read from a script and lack the power of rational thought, or probably any thought. As far as they're concerned, rules are rules and we're not paying out.

You just keep going until you find a company that's capable of going off script and actually listening to what you're asking.

[DJW]

If you put a pallet load of bricks in a van then it’s been modified?

My Arse!

[NWH]

Leave that pallet of bricks in there every day to look at then do you,ring A-Plan explain what you’re looking for with insurance carrying a tank etc for window cleaning and see if you can get a premium for 180 odd notes.
Let me know if they go for that because the conversations I’ve had with them over the years they will owe me a lot of money.

[NWH]

They love online forms do these insurance companies these days the temptation to leave items out gets the premium so low it’s too tempting,I can see some window cleaners saying I only carry a bucket in the back 🤣🤣.

[֍Winp®oClean֍]

So, given that no one, not even our resident expert, seems to be able to provide any evidence of the above, I assume we can take it as nonsense!

[NWH]

Ok m8 give A Plan a call at Carterton a call tell them what shambles you have in the back of you’re van and see what they say,can’t remember the girl I speak to but I’ve got 5-6 policies with them if you want to know who I deal with let me know and I’ll get you her name later.

[NWH]

They have about 5-6 insurers they use the cheapest they could get me with tank was about 500,see if they can do better for you.

[NWH]

With my employee on the policy it’s another 1000.

[NWH]

Her name is Nikki Chum if you want to go over the legalities of carrying water.

[Splash & dash]

So, given that no one, not even our resident expert, seems to be able to provide any evidence of the above, I assume we can take it as nonsense!

There is no point in me arguing with you just give the insurance companies a ring and tell them honestly what you are doing and I guarantee not one of them will cover you , if you are afraid to give them your true details then give a false name etc just to get a quote .

[Splash & dash]

Ring Alexander swan here’s the number
01793616773 ask for Sarah she’s the owner put your questions to her and see what the answer s are

[֍Winp®oClean֍]

Why not just upload your terms & conditions and list of assumptions? Show me where it states within your policy documents exactly what you claim to be industry standard- simple! It is there... right?

[֍Winp®oClean֍]

Ok m8 give A Plan a call at Carterton a call tell them what shambles you have in the back of you’re van and see what they say,can’t remember the girl I speak to but I’ve got 5-6 policies with them if you want to know who I deal with let me know and I’ll get you her name later.

🤣🤣🤣🤣 what a plonker!!🤣

[֍Winp®oClean֍]

They have about 5-6 insurers they use the cheapest they could get me with tank was about 500,see if they can do better for you.

But your van is modified, mine isn't.

[֍Winp®oClean֍]

Ring Alexander swan here’s the number
01793616773 ask for Sarah she’s the owner put your questions to her and see what the answer s are

Why would I? I'm not unsured by Alexander Swan. What I can absolutely assure you is that I am fully insured and nowhere, absolutely nowhere does it state, nor even ask about any load that I carry in my commercial vehicle that's designed to carry loads. The manufacturer even supplies lashing points to secure the load- of which, can legally be up to 1200KG.
Now, if you've drilled through your van floor and hooked brackets around the chassis to secure a permanent fixture within your load area, then that's your issue and indeed, your increased premium for doing so. But please, don't tell me what MY policy states, implies, or assumes as you've never seen it. Alexander Swan is a broker who's majority interest is to make money..... they seem quite good at it too.👍