In the world of window cleaning, your van is more than just a mode of transport; it is your mobile workspace. It carries essential tools, stores water-fed pole systems, and underpins your entire business operation. But what many window cleaners do not realise is that upgrading or modifying your van could unintentionally void your insurance cover if not disclosed.
At Alexander Swan, we specialise in Window Cleaner Van Insurance tailored for UK-based self-employed professionals and businesses. This article explains why it is vital to disclose any van modifications to your insurer and how to stay protected.
What Counts as a Vehicle Modification?
A vehicle modification is any change made to the original manufacturer’s specification. For window cleaners, this could include:
- Fixed water tanks (commonly 350 to 650 litres)
- Filtration or purification systems
- Roof-mounted ladder racks or clamps
- Internal shelving and racking systems
- Permanently installed toolboxes or storage drawers
- Upgraded security features like dash cams or GPS tracking
These modifications can affect the weight, balance, value, and function of your van. Even small changes may impact how your insurer calculates risk or determines what they will pay out in a claim.
Why Modifications Matter to Insurers
Let’s say you’re involved in a road accident. During the claim process, the insurance assessor spots an undeclared 500-litre water tank and roof-mounted ladders. These significantly change the vehicle’s weight and height profile. If these upgrades were not disclosed, your insurer could argue that the policy is invalid or refuse to pay out.
Even worse, you could be held liable for third-party damages, legal costs, and van replacement, all because of an omission.
Most insurance policies are based on the principle of utmost good faith. This means you are legally required to provide full and accurate information at the time of the quote and throughout the policy’s life. Failure to do so could lead to reduced settlements or even complete claim rejection.
Examples of Common Undeclared Modifications
Many window cleaners make practical modifications to improve safety, efficiency, or convenience. Here are common examples that should always be disclosed:
- Internal tank installations: These change the van’s centre of gravity and can increase braking distances
- Roof racks and clamps: These affect the aerodynamics and may create hazards in low-clearance areas
- Shelving and reinforced flooring: These change how the van reacts in a collision
- Alarm systems and immobilisers: Even positive security changes must be listed
- Wraps, signage, or tinted windows: While mostly cosmetic, they can sometimes influence insurer assessment
When and How to Disclose Modifications
You should notify your insurer before or immediately after a modification is made. Do not wait until your renewal. If you switch insurers mid-policy, ensure any previous modifications are declared again.
Speak to your broker or provider and confirm:
- What was added or changed
- The cost or value of the modification
- Whether it was professionally installed
- Any safety or structural implications
A specialist broker like Alexander Swan can liaise with underwriters on your behalf to ensure everything is recorded accurately.
Risks of Non-Disclosure
Choosing not to declare modifications, whether intentionally or by mistake, carries serious consequences. Risks include:
- Claim rejections for theft, fire, or accident
- Increased liability in third-party injury claims
- Suspension or cancellation of cover
- Personal financial loss in business downtime
For example, if your unlisted filtration system causes a fire or contributes to a collision, your insurer may not pay for repairs or replacement. This could leave you without your van or tools for weeks.
How Specialist Brokers Protect You
Generic van insurance providers may not understand the day-to-day risks of your trade. They may overlook the fact that tanks, ladders, and filtration systems are essential parts of your business setup.
At Alexander Swan, we work with underwriters who understand modified commercial vehicles used in trades like window cleaning. We ask the right questions about:
- The location and mounting of water tanks
- Ladder security and compliance
- Overnight tool storage and van security
- Use of the vehicle for public or private contracts
This ensures you get a tailored window cleaning insurance policy that reflects your actual usage and minimises gaps in protection.
Staying Compliant with Your Policy
To stay on the right side of your policy, follow these best practices:
- Declare all modifications, even small ones
- Keep installation receipts and certificates
- Take photos of all fitted equipment
- Inform your broker of future changes
- Review your policy annually to confirm it is still accurate
Proactive communication can prevent future disputes and ensure your business remains operational even after a claim.
What If You Modify After Purchase?
Many tradespeople buy standard vans and upgrade them later. If your insurer does not know that your vehicle has been altered post-purchase, your original quote may no longer be valid.
Always notify your broker if:
- You’ve added new shelving or fixtures
- You’ve installed tracking systems
- You’ve replaced original parts with aftermarket options
You’ve changed the vehicle’s declared purpose
In some cases, your premium may rise slightly. However, this is a small price to pay compared to a rejected claim or cancelled policy.
Business Continuity Depends on It
Your van is essential to your business. Without it, you cannot carry water, ladders, or supplies. If it is written off and your claim is denied, you are left not just without transport, but without income.
By ensuring your modifications are disclosed, you are also safeguarding:
- Your ability to serve customers
- Your reputation as a professional business
- Your cash flow in the event of unexpected disruption
When properly insured, you can get back on the road faster, often with like-for-like replacement hire van cover, if included.
Let Alexander Swan Help
We are committed to supporting UK window cleaners with practical, affordable, and comprehensive cover. From van insurance to liability and tool protection, our experts provide advice and support throughout the policy lifecycle.
Visit our Window Cleaner Van Insurance page or get in touch with our team to review your current cover and ensure that all modifications are accounted for.
Final Word
Insurance is your safety net, not a guessing game. If you are unsure whether something counts as a modification, ask. At Alexander Swan, we are here to help you protect your vehicle, your equipment, and your business, all with one comprehensive, tailored policy.