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Topic: insurance

shreik

17/5/2022 at 8:52pm
Location: perth
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just been doing an on line insurance quote for my vw golf I use as a run around and fitted a tow bar.declaired it to insurance co, classed as a modification and declined to insure. WHAT ??????

billy

via mobile 17/5/2022 at 9:32pm
Location: North Essex
Outfit: Caravelair Alba 400

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Towbar is not classed as a modification. Phone them & they will sort it out.

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HumberWolf

17/5/2022 at 9:51pm
Location: North Lincolnshire
Outfit: Elddis Xplore 495

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With all the insurers I have had a tow bar has always been classed as a modification, but I have never been charged extra for it.

When you check your insurance schedule it should indicate that you have a tow bar fitted.

Colin21

17/5/2022 at 10:36pm
Location: East Herts
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Quote: Originally posted by HumberWolf on 17/5/2022
With all the insurers I have had a tow bar has always been classed as a modification, but I have never been charged extra for it.

When you check your insurance schedule it should indicate that you have a tow bar fitted.

Likewise. I always declare it when I do a search for insurance but I have never been charged extra for it. Some insurers class it as a modification but others don't.

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Colin

camcroft

18/5/2022 at 8:24am
Location: Lincolnshire
Outfit: Elddis Xplore 302 SE 2011

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Likewise here and if you don't declare it they won't pay out in a claim. Insurance can be quite complicated some tow your car away and leave the caravan others tow away both. My insurance covers both a thing a lot of people don't even think about.

morepints

18/5/2022 at 10:01am
Location: Dartford Kent
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Try NFU Mutual - as they deal with farmers they are used to tow bars! They are still a mutual too.

blueexpo97

via mobile 18/5/2022 at 11:16am
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So are we saying that if the tow bar is part of the vehicle spec you still need to declare it?

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billy

via mobile 18/5/2022 at 11:42am
Location: North Essex
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Changed car recently. I told Saga it had a towbar fitted they said they don’t need to know. Some companies may want to know about it but don’t charge extra for it. As suggested to op. Sort it out with a phone call.

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daveyjp

18/5/2022 at 3:20pm
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Quote: Originally posted by camcroft on 18/5/2022
Likewise here and if you don't declare it they won't pay out in a claim. Insurance can be quite complicated some tow your car away and leave the caravan others tow away both. My insurance covers both a thing a lot of people don't even think about.

Unlikely they won't pay out if they would have covered the modification had it been declared.

What they may do is ask for the additional premim they would have charged to cover it before paying out as happened to a colleague who changed wheels on his car and didn't declare.

Colin21

18/5/2022 at 6:31pm
Location: East Herts
Outfit: 1992 Elddis Wisp 450CT + X Trail

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Quote: Originally posted by daveyjp on 18/5/2022

Quote: Originally posted by camcroft on 18/5/2022
Likewise here and if you don't declare it they won't pay out in a claim. Insurance can be quite complicated some tow your car away and leave the caravan others tow away both. My insurance covers both a thing a lot of people don't even think about.

Unlikely they won't pay out if they would have covered the modification had it been declared.

What they may do is ask for the additional premim they would have charged to cover it before paying out as happened to a colleague who changed wheels on his car and didn't declare.

I wouldn't be too sure about that. Insurance companies are often on the lookout for excuses not to pay out, and not declaring a "modification" is one of them. They rarely charge extra for towbars anyway, or at least I have never been charged extra and I have had quite a number of different vehicles with them fitted.

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Colin

keith p

18/5/2022 at 6:51pm
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I had a very small discount from my company after informing them of fitting a towbar.

jaiash

19/5/2022 at 9:16am
Location: nr Derby
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Definitely had to declare a tow bar as a modification - hasn't affected premiums though. Only insurer I've used that it wasn't classed as a modification was, as above, NFU -towing vehicles covered as standard.
Some vehicles are not able to tow at all, maybe the car in question does have published/tested towing figures. ( if I could remember the tech' word, I'd use it...)

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Monty15

19/5/2022 at 10:15am
Location: London
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Never been refused insurance for a fitted tow bar, or been charged extra, but they definitely want to know in most cases and list it on policy as a 'modification'.

Certainly wouldn't neglect to tell them or assume can be notified after a claim, insurers always looking for a way out of paying up!

martin734

19/5/2022 at 4:13pm
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I am with NFU and apparently a towbar on my Defender is classed as standard equipment with them. I didn't even have to declare the roof rack as that is a genuine Land Rover part and also classed as standard equipment. I did have to declare the winch and bumper, uprated suspension, air brake system, tacho, auxiliary lights and engine change from 2.5 diesel to 4.6 petrol though.

Paul and Nikki

via mobile 22/5/2022 at 7:45pm
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Quote: Originally posted by blueexpo97 on 18/5/2022
So are we saying that if the tow bar is part of the vehicle spec you still need to declare it?

I don’t believe so, my insurance company’s policy is that any “modification” that was applied during vehicle build is not reportable

iank01

23/5/2022 at 11:09am
Location: Worcestershire
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Quote: Originally posted by billy on 17/5/2022
Towbar is not classed as a modification. Phone them & they will sort it out.

TBH if they cannot get that right on their website is it really worth phoning them?

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