Happy New Year to all fellow forumites!  Have just had my renewal for van insurance - it's shot up by £200 this year.
Any one got an insurance company they'd recommend?  I've got fully comp and am insured for carrying water and bottled gas.  Any suggestions gratefully received.....

just renewed today,with autodirect, £27.40 x10 monthly payments + deposit tpft,no questions asked about water tank or gas .

if you have a crash them matie , your insurance would be VOID and you would be classed as not insured therefore you are guilty .
If you knocked someone over - possible time in jail  , but probably a massive fine , maybe ban .

I insured for a year once and didnt tell them , basically down to ignorance really as i didnt realise until the advice on here .
You are basically paying for no cover really.
Crash  - they wouldnt pay out even if not yor fault .
Theft - well they wouldnt know about the tank , so ok there .

for extra probably £200 , you would have piece of mind , it is a maasive rip off .
Mine with no tank was £330 , with tank £450 , alot of haggling though

all the best

i always renew on line, when it comes to the modifications bit then i look through it all but my tank is held in by straps, my gas bottle is declared and it made no difference, do you think each time a labourer or builder goes out in his van he calls to tell the insurance exactly what he has in the back? i know of builders that carry round loads of unsecured stuff in the back of their vans and have had accidents and the insurance has paid out no problem, people need to calm down over this whole thing of tellin the insurance everything. If they ask what you carry then tell them if they dont then im sorry but you are not held liable for it as you havent failed to disclose anything

my daughter works as a claims negotiater for AXA and i will tell you this is fact if you do not tell your insureance company that you are carrying a water tank or gas and you have a crash they will not pay out that is defo it was her that told me to tell my insureance company its up to you the owner to declare all mods and upgrades to your van

so your telling me that builders have to phone up each day to let the insurance know what they will be carrying around that day? i can have my van empty in an hour, a modification is a permanent fixture to your van, my tank is held down by bloody bog straps, i told my insurance and they didnt want to know so simple

Insurance companies are nasty companies and will do anything to not pay out .
If you had a bump  , incident in your van , they would instantly say not insured and would not pay out .
And on good grounds they would most likely pay .

same as me then, except insurance company, 

mines a transit 260swb , 650 litre tank bolted down professional fit , one quote was £450 so did it , then the renewel was £650 , argued got quotes else where and was struggling .
Then few days before they phoned me and I said no way , i have had a £525 quote .
Then they phoned me a day before expirey and they matched it again for £450 .

They were trying it on for £200 .
This is Commercial vehicle direct-cvd - been cheapest for me , if it was my DIY system be about £350-£400 .

Shop around , play hard ball , and leave it until the last day and go back to your original company .

if we all play hard ball , together in strength we may help ourselves , but probably not .
They are bad services and con artists .

good luck

nice one

Did the bag of mixed salad come with any sort of statuory warning about carrying it your vehicle, if not maybe you could get a no win no fee company to act on your behalf    


I'll get ma coat.  

I use a car with a temporary strapped tank.

no special rules other than a sticker is required on the van to say what is inside and an extinguisher . Flammables, explosives etc etc work on a points system and for the benefit of window cleaners you are allowed to carry just over 2 x 47kg propane bottles without an ADR licence. BUT you must have a fire extinguisher on board of at least 2kg dry powder. Thats the law.