Van insurance

Discussion in 'Managing Your Business' started by Shaun1977, Mar 15, 2012.

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  1. Shaun1977

    Shaun1977 Forum Addict
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    Is van insurance void if your water tank is held down with Ratchet straps ?


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  2. Paul

    Paul Guest

    No it's classed as cargo it's void if you have it bolted without telling them it's classed as a mod
     
  3. James

    James Guru
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    Some insurance companies thrown abit, but it doesn't make it void no.


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  4. bluemonkey

    bluemonkey Guru
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    no it is cargo, not a mod
     
  5. windyman

    windyman Well-Known Member
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    Depends on ur company...just to be safe I called mine & told them & no increase in premium, plus they know. Better safe than sorry.
     
  6. Paul

    Paul Guest

    Yes totally agree windy.
     
  7. Knoxy

    Knoxy Well-Known Member
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    Will the premium go up if you have one bolted in?
    I'm having mine fitted on Monday, that's if the Protecta kote turns up, ordered it on Tuesday from Pure Freedom but it hasn't turned up yet!!
     
  8. windyman

    windyman Well-Known Member
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    It's entirely up to the company...each are different. I'd imagine they would see that as a permanent modification..so maybe.

    What I said to them was it's removable...just the same as a builder carrying a load of bricks, and you wouldn't charge a bricky for carrying bricks...in fact, he wouldn't even need to tell you, so what's the difference with me carrying a tank of water?

    Not sure that made any difference, but they said no problem.
     
  9. James

    James Guru
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    I'd phone them up. Better safe than sorry.


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  10. Having just had mine fitted I called up ours, they were happy to continue the policy and didn't increase the amount. However, they said that they wouldn't insure the wfp machine just the van.[hr]
    Speaking as a soon to be ex Policeman I would definitely call up. If it's proven you don't have insurance which is a very hot issue at the mo your van could be seized which comes at a cost to you plus the holding charge per day. Not to mention your day in court.
    Thinking worse end of the scale if you do have an accident and someone is hurt a big book will be thrown your way. (Police hat taken off, squeegee picked up and breath!!) :)
     
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