[Smudger]

Just another insult from you Nigel - nothing new there especially when your in the wrong - yet again

As for lies on this forum you’d better check the mirror…

Darran

[Splash & dash]

What is the main use for a van - hmmm let me think about it 

Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof

No waffle or silly posts Nigel REAL FACTS - if you can…

Darran

Every time since 2003 I have phoned multiple . Insurance companies , there first  question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with  a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having  dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles  and worse case scenario is it’s  corporate man slaughter, would you want to take the risk ?.

[֍Winp®oClean֍]

What is the main use for a van - hmmm let me think about it 

Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof

No waffle or silly posts Nigel REAL FACTS - if you can…

Darran

Every time since 2003 I have phoned multiple . Insurance companies , there first  question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with  a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having  dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles  and worse case scenario is it’s  corporate man slaughter, would you want to take the risk ?.

You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁

[Smudger]

Sorry mate - you waffle too much, ive been insured via Alex Swan - A-Plan and others over the years both for fleet and on individual basis depending on staff etc..

All tanks are fixed and declared but never asked by any of them to provide a certificate etc....

Now - stop the waffle and paste the relavant line in your insurance policy stating carrying a water tank is a modification - of even an internet web site stating such - you called it - im looking to you to show me - stop telling me to go find it.

Darran

[Splash & dash]

What is the main use for a van - hmmm let me think about it 

Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof

No waffle or silly posts Nigel REAL FACTS - if you can…

Darran

Every time since 2003 I have phoned multiple . Insurance companies , there first  question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with  a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having  dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles  and worse case scenario is it’s  corporate man slaughter, would you want to take the risk ?.

You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁

Ime quite happy with the cover I have thanks and know we are fully covered and nothing to worry about ,
You still haven’t answered a simple question have you  informed your insurance company that you have a water tank in your van ? It’s either yes or no , and don’t say it’s not on the forms as it is as soon as you say you are a window cleaner , next question is have you declared you are a window cleaner ? If not this would explain why you haven’t been asked about water tanks .

[Smudger]

I think you need to answer the question posed to you first.....

then Winpro can answer yours......

Darran

[NWH]

You want to buy you’re policy online well that’s it from me thanks I’ve heard well and truly enough just as I thought going back pages lol,waste of breath.

[֍Winp®oClean֍]

What is the main use for a van - hmmm let me think about it 

Come on boys you both made a statement that carrying a tank that’s NOT bolted down is a modification and it’s in every policy - please provide the proof

No waffle or silly posts Nigel REAL FACTS - if you can…

Darran

Every time since 2003 I have phoned multiple . Insurance companies , there first  question has been do you have a water tank in the van , second question is how is it secured , all have stated they will not insure a van with  a tank that’s strapped in , when I said it’s been fitted professionally they asked who fitted it , one company even wanted a copy of the certificate to say it was fitted by an authorised outlet , others contacted ionic system’s to check that they had fitted the tank , I have all my vans insured through Alexander swan as I find them very good , but last November when the renewals were due again I phoned several other companies all asked the same questions and wanted proof of tank fitment as I hadn’t dealt with them before , you can google all this and it will tell you if the tanks strapped in you don’t have to declare it as a modification but all the companies told me don’t believe all you read on the internet , if ones choose to not be honest when getting insurance quotes that’s up to them but it can and will lead to major issues in the event of a serious accident as the police and VOSA will check every last detail , but again some won’t believe this I know , but having  dealt with serious RTC for 35 years have seen many prosecuted over the years for not declaring certain things about modifications to vehicles  and worse case scenario is it’s  corporate man slaughter, would you want to take the risk ?.

You're being stitched up like a kipper!!😁
As for being honest, I'm 100% truthful with every policy I take out! I read all the policy info, terms and assumptions. Since 2003 I've never, not once been asked nor even had the option to declare the carrying of a water tank- either bolted or strapped! FACT!
My advice to you is to get off the phone and stop being such a sucker. Buy your policy online, it's not rocket science, you just need to read the policy information, terms etc. If the terms change mid-policy then the provider had a legal obligation to inform you prior to implementation. Stop digging before you get to Nigel's depth.😁

Ime quite happy with the cover I have thanks and know we are fully covered and nothing to worry about ,
You still haven’t answered a simple question have you  informed your insurance company that you have a water tank in your van ? It’s either yes or no , and don’t say it’s not on the forms as it is as soon as you say you are a window cleaner , next question is have you declared you are a window cleaner ? If not this would explain why you haven’t been asked about water tanks .

Of course I've declared I'm a window cleaner! Your occupation is a standard requirement on every van policy. And no, I still haven't been asked or given the opportunity to state that I carry a water tank. I'm asked if my vehicle is modified (just like every motor vehicle policy requires) to which I correctly answer no, as it's  not. Is this ever going to sink in??

So, are you going to phone here, there and everywhere and qualify your claim? Are you going to actually provide some credible evidence that you're not just talking utter rubbish?
P.s. Nigel's just off to be breast fed.

[AuRavelling79]

If the truth be known there’s so many porkies get told on those online forms it’s a joke,anything to get the price down with some people I only do 10 miles a week I never drive on the motorway and I have a tank I can drag out and bin if I have a smallish bump.

I don't think I've ever  come across anyone as utterly thick as you before Nigel!🤣

Where's AuRavelling79 when you need him!!!

If you want mod intervention you need to report an issue. Otherwise I (or any other mod) might not notice anything.

[Splash & dash]

Sorry mate - you waffle too much, ive been insured via Alex Swan - A-Plan and others over the years both for fleet and on individual basis depending on staff etc..

All tanks are fixed and declared but never asked by any of them to provide a certificate etc....

Now - stop the waffle and paste the relavant line in your insurance policy stating carrying a water tank is a modification - of even an internet web site stating such - you called it - im looking to you to show me - stop telling me to go find it.

Darran

It’s written in the policy that the tanks are a declared modification ime not posting it on hear as it has many personal details on the policy , but will contact them today and try and get them to send an email confirming that the tanks are a modification

[DJW]

Sort of missing the point isn’t it? Winpro doesn’t have his bolted in therefore it’s not a modification.

Yours is bolted in and you’ve declared it a modification.

The argument is where does it say any load is a modification.

Why should a windowclener be penalised for carrying 650kg of water and not a builder carrying 650kg of bricks?

In your argument a windowcleaner will not be insured because he has a tank. So why is a builder insured or anyone who carries pallet loads of heavy items?

[DJW]

You are actually paying more insurance by making your van safer and you still can’t see how the insurance companies are ripping you off?

You must be as blind as a bat!!!

[DJW]

Just think ………
If you had a business installing crash tested systems based shall we say somewhere like Swindon and you could convince the insurance companies how dangerous strapped in water tanks might be and how every window cleaner should have a crash tested system.
What a good deal that would be.

Only it doesn’t make sense when other businesses don’t have to do it with their loads.

[Splash & dash]

I think you need to answer the question posed to you first.....

then Winpro can answer yours......

Darran

I have the email from them  and will post it later after I have deleted my personal details from it .

[AuRavelling79]

Sort of missing the point isn’t it? Winpro doesn’t have his bolted in therefore it’s not a modification.

Yours is bolted in and you’ve declared it a modification.

The argument is where does it say any load is a modification.

Why should a windowclener be penalised for carrying 650kg of water and not a builder carrying 650kg of bricks?

In your argument a windowcleaner will not be insured because he has a tank. So why is a builder insured or anyone who carries pallet loads of heavy items?

That's how I see it, legally. However two points.

1. If you fix a reel or a pump then that would be a modification.

2. Although in my case I believe that strapping a full 650L tank to the vans lashing eyes would be legal I wouldn't think it as safe as bolting it in a frame through the floor.

So because I have done this then I need to declare it as a modification.

If I take the risk of strapping my tank to the lashing eyes I still believe the other paraphernalia bolted or screwed in place like a second battery, pole tubes, pumps, reels etc. obligate me to declare those modifications.

[DJW]

I have two vans, one a windowcleaning van, the other I use as a car.

If I fit racking  (as electricians do ) or make a bike rack to bolt inside is that a modification?

In fact ply lining is screwed to the floor and sides but it’s not a modification 🤷‍♂️

I don’t follow your reasoning Malc, you can strap a tank legally, no modification but if you bolt your reel down it would become an undeclared modification so your insurance wouldn’t be valid.


I need popcorn.

[֍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.

[Splash & dash]

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

[֍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?

[Splash & dash]

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.