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   Caravans and Caravanning -  Caravan Towcars and Towing Advice 		Share   Post on X / Twitter  Share on Facebook  Email  Printer Friendly Version Print
Subject Topic: Car Insurance with Towbar Fitted
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Personalr1970
14/5/2021 at 6:05pm
 Location: None Entered
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For the first time, I've found my choice of car insurance providers reduced after specifying my towbar as a modification. Admiral for example just said "we can't offer you cover", but we're happy with me if I removed the modification.
I still found cover elsewhere, but it was 25% more expensive.


PersonColin21
14/5/2021 at 7:20pm
 Location: East Herts
 Outfit: 1992 Elddis Wisp 450CT + X Trail View Colin21's Profile View Profile   Reply to Colin21 Reply   Quote Colin21 Quote  
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Seems strange! I've never had a problem in that respect, and many insurers didn't seem to even consider it a modification. Certainly not had any additional premium levied, and definitely never had a refusal to quote.


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Best Regards,
Colin


Personbilly
14/5/2021 at 7:22pm
 Location: North Essex
 Outfit: Caravelair Alba 400 View billy's Profile View Profile   Reply to billy Reply   Quote billy Quote  
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Have you actually spoken to them ? Or is this just filling out online quotes ? If a call centre operative tries to charge more for a towbar ask to speak to somebody more senior. I’ve never heard of being charged extra for a towbar. I do mention it but they tell it is a no extra cost modification.

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Every day should be a holiday!


Personalr1970
via mobile 14/5/2021 at 7:47pm
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Just online quotes, but it never caused a problem before. I tend to go for the cheapest reputable brand, maybe the cheaper end is where it's showing a problem


Personcliffbrown
14/5/2021 at 8:43pm
 Location: chesterfield
 Outfit: Ford Kuga AWD & Lunar Clubman SI View cliffbrown's Profile View Profile   Reply to cliffbrown Reply   Quote cliffbrown Quote  
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may be, I have never had an increase for a towbar


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Personbilly
via mobile 14/5/2021 at 8:47pm
 Location: North Essex
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If it is just online quotes phone the insurer & speak to them.

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Every day should be a holiday!


PersonMonty15
14/5/2021 at 10:35pm
 Location: London
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I'm with Admiral, informed them of my factory fit option tow bar when I bought my car from new, no hassles, no extra premium that I'm aware of and certainly no refusal to insure.
Unless you have a unusual car, it seems very odd to decline cover.


Personmacquatic
15/5/2021 at 8:10am
 Location: Inverness
 Outfit: Hyundai Santa Fe & Pegasus Rimini View macquatic's Profile View Profile   Reply to macquatic Reply   Quote macquatic Quote  
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I've never had a problem either. I always trawl the internet for annual quotes and never had a problem.
Previously, I just informed the insurer that a towbar was fitted just in case of a claim might be rejected. Again. no problem and no increase in premium.
What make/model of car are you trying to insure?

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I came into this world with nothing and I've still got most of it left.


Persongray871
via mobile 17/5/2021 at 5:16pm
 Location: west yorkshire
 Outfit: Swift Charisma 545 F View gray871's Profile View Profile   Reply to gray871 Reply   Quote gray871 Quote  
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Hi all
I’ve been with Admiral since 2015 every time I get a renewal I do an online search to compare with the renewal and phone Admiral, they always match or beat the quote, recently changed my 2010 Kuga for a 2016 Kuga ( with no tow-bar fitted) I informed them of the change on day of purchase, they charged £25 admin fee, 2 weeks later I phoned to tell them I had put my personal number plate on and was having a detachable tow ball fitted later that week, according to Admiral the admin fee covered me for 28 days from date or purchase so no extra charge for the plate or tow bar
Graham


Personmoppetsdad
18/5/2021 at 5:29am
 Location: The foot hills of no
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I'm with LV and it went down by a tenner when I told them I'd had one fitted, maybe they consider it will protect the rear end in the case of a light shunt up the rear    ooo matron!

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David

    

I've stood on Lego and didn't even cry!!


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Personcliffbrown
via mobile 18/5/2021 at 5:37am
 Location: chesterfield
 Outfit: Ford Kuga AWD & Lunar Clubman SI View cliffbrown's Profile View Profile   Reply to cliffbrown Reply   Quote cliffbrown Quote  
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I had a shunt just before Xmas, car written off, towbar didn't help,


PersonAncient Uncle
18/5/2021 at 4:58pm
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But where it may help, if the driver who shunts into the back of your car tries to do a runner, he may well find the towbar has done quite a lot of damage to his motor and may not get very far.


PersonRay Clayton
18/5/2021 at 7:57pm
 Location: Ilkeston. Derbyshire
 Outfit: Disco 4 Unicorn Barcelona 4 View Ray Clayton's Profile View Profile   Reply to Ray Clayton Reply   Quote Ray Clayton Quote  
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Hi
They come as standard with a disco 4.
Never trusted that tow bar at all.
I had a fixed heavy duty rated tow bar fitted, overkill but safe.
I told Hasting years ago that i tow, and i have never been asked the question since directly by them.





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Cheers
Ray

Discovery 4 & Bailey Barcelona 4







Personmartin734
18/5/2021 at 9:00pm
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Had that happen to me, unfortunately for the guy who ran into me, both the Dixon-Bate and the NATO hitches made a real mess of the front of his van


Personcliffbrown
via mobile 18/5/2021 at 9:05pm
 Location: chesterfield
 Outfit: Ford Kuga AWD & Lunar Clubman SI View cliffbrown's Profile View Profile   Reply to cliffbrown Reply   Quote cliffbrown Quote  
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It was a Tuareg that hit me not much damage to his


Personblueexpo97
19/5/2021 at 5:33am
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Got to love a Touareg , not that I'm biased.

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XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.



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