Van-pack jetters are essential tools for many drainage contractors but insuring them correctly can be more complicated than it seems. A recent conversation our team had with a contractor highlighted just how easy it is to get caught out.
He had his van-pack jetter insured under an own plant policy (also known as Contractors All Risks). What he didn’t realise is that many insurers class van-pack jetters as vehicle modifications, not “own plant.” This left him unknowingly exposed – and had a claim arisen, he could have faced serious financial consequences. Thankfully, we spotted the issue before it became a problem.
The pitfalls of own plant policies
While own plant policies may sound comprehensive, they often come with conditions that make them unsuitable for van-pack jetters. Common drawbacks include:
- Higher premiums – you may be paying more than necessary
- Higher excesses – claims can cost you more out of pocket
- Overnight storage conditions – many exclude thefts unless the van is kept in a locked compound, meaning no cover if your van is left on your driveway
For contractors who rely on their jetters daily, these restrictions can leave dangerous gaps in protection.
Fit-for-purpose cover
The right insurance should reflect the realities of your trade. Van-pack jetters need bespoke cover that recognises them as part of your vehicle setup, not as generic plant equipment. By arranging specialist jetter cover, you can avoid unnecessary costs and ensure you’re properly protected against theft, damage, and liability.
At Howden, we understand the nuances of drainage work – and we make sure your drainage equipment insurance reflects that.
Honest advice, real protection
Drainage work is messy. Your insurance shouldn’t be. If you’re unsure how your jetter is insured, it’s worth checking before you’re caught out.
For straightforward advice from someone who knows the trade, get in touch with the Howden team. We’ll review your policy and provide a tailored quote to ensure your van-pack jetter is properly protected.
Call us on 01732 386731 / 07849 643017 or email drainage@howdeninsurance.co.uk today.