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Hi, thanks for bringing this subject up, I just checked with my insurance (prudential)
and a tow bar is not classed as a modification on our policy, she also said that we would be covered third party if our cruiser broke away and caused any damage.
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Topic: Do I need seperate insurance?
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dont joke it might be worth checking!! like you said you know what these insurance companies are like
(i wont be taking my stickers out though) 
