water tank fitted not listed in compare the markets modifications

[ks789]

Wonder if anyone can advise on this. Im looking to get rid of car and get a van, now on compare the market site ive listed occupation as window cleaner and just with that insurance remains basically the same, £200 or so. Now, to be honest and list a fitted tank as a modification, I cant find anything in their list of mods which it could be. Also, from your experiences, would it be liable to go up a great deal or not too bad. my mates building van insurance is cheap, and I'd have thought with all those drills and junk flying about in an accident much more of a risk than a window cleaner.  Advise much appreciated.

 

[ks789]

Ah, I see, I clicked on the 'other' box and so none of them offer a quote and the site just recomends A plan.  Whats the problem with a fitted water tank? Are there that many bad accidents involving window cleaners that it has to be a specialist rip off deal?  Gad zooks, Im having a beer later, thats for sure.

 

[ks789]

 Ah, im talking to meself again. Its alright all, not as bad as I thought, can get it for £330. Feels good, take care all.

 

[spruce]

Please also be aware that fitting a towbar, roof racks, privacy glass, sign writing etc are all listed as modifications.

I have a diesel air heater in my van and that's a modification as well.

 

[ks789]

Please also be aware that fitting a towbar, roof racks, privacy glass, sign writing etc are all listed as modifications.

I have a diesel air heater in my van and that's a modification as well.

Yeh true, they asked about sign writing and explained there was some small writing. Guess you have to cover yourself for anything they might think of as if they can they'd wriggle out of a pay-out.

 

[Guest]

You're getting insured as a window cleaner, what do they expect you to have in your van? Roofers, carpenters etc don't tell the insurance company what's in their van... it's a bit obvious. Friend of mine who's a roofer has a pallet of clay tiles in the bed of his truck, does he have to tell insurance company? Ofcourse not...

This is my van I'm a window cleaner, enough said.

Unless when you read the terms and it says water tank then different, but my exclusions doesn't mention water tanks

 

[spruce]

You're getting insured as a window cleaner, what do they expect you to have in your van? Roofers, carpenters etc don't tell the insurance company what's in their van... it's a bit obvious. Friend of mine who's a roofer has a pallet of clay tiles in the bed of his truck, does he have to tell insurance company? Ofcourse not...

This is my van I'm a window cleaner, enough said.

Unless when you read the terms and it says water tank then different, but my exclusions doesn't mention water tanks

The thing is that it isn't you who decides if the insurance company is to pay out for a claim or not, its them.

I haven't listed my tools as thats an add on and it will be the same with any other trade. Anything that fixed to the van which isn't there when the factory first made it is a modification. Plylining is a modification and nearly every van has that in it.

 

[ks789]

yeh I guess that basically, although im an ace driver theres always that chance I could go into back of one of these really posh cars we got round here, and if I aint declared the tank, even if it didnt budge an inch, my insurance invalid and I,d have to pay that £10,000 repair bill. Would take years and for the extra £100 insurance sure takes away a lot of stress.

 

[Guest]

 
The thing is that it isn't you who decides if the insurance company is to pay out for a claim or not, its them.
 
I haven't issued my tools as thats an add on and it will be the same with any other trade. Anything that fixed to the van which isn't there when the factory first made it is a modification. Plylining is a modification and nearly every van has that in it.
 
 
 

Agreed if bolted. Yet that's safer?!

 

[Dave B]

You're getting insured as a window cleaner, what do they expect you to have in your van? Roofers, carpenters etc don't tell the insurance company what's in their van... it's a bit obvious. Friend of mine who's a roofer has a pallet of clay tiles in the bed of his truck, does he have to tell insurance company? Ofcourse not...

This is my van I'm a window cleaner, enough said.

Unless when you read the terms and it says water tank then different, but my exclusions doesn't mention water tanks

The problem is with the messed up way insurance companies work if it is bolted and caged which is safer it is in legal terms a modification to the vehicle

If it is loose or ratchet strapped and under weight limit for the vehicle you are just transporting water in a tank which as long as it is secure enough that vosa or the plod can not say it is an unsecure load the insurance companies can't do a thing about it

 

[spruce]

Agreed if bolted. Yet that's safer?!

As windies we can get better insurance rates if our tanks aren't bolted down. It just doesn't make sense.

At one time the only company that would insure my van with a 650 liter tank was Aegis. I had even thought of removing the 650 liter tank and fitting a 500 liter tank as there were a few insurers that would go up to 500 liters and their quotes were considerably less.

Now I'm insured with Aviva with a bolted 650 liter tank and even with the car included it is much cheaper than A Plan offered for the van on its own.

 

[Redditch windy]

dont forget if you are fully comp the insurance company has to factor in the repair of your van,not just what you hit,if you have an accident

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[Minty]

I did that spruce! Took the opportunity to change the van and downsized to a 500 ltr tank