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 Topic: insurance ! what a rip off !!
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18/8/2014 at 3:33pm
Location: norfolk
Outfit: Bailey Pageant Burgundy 6 volvo V70
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Just checked with my insurer to see if i am covered when towing ...no she says, did you not mention this modification when you took out the insurance..i replied that i was not asked if i had a tow bar fitted but she replied oh yes we would have asked if you had any mods done to the car ,,,,,surely a mod is bigger engine,wider tyres etc not a towbar !!!!So £25 worse off today but at the same time glad i asked for peace of mind
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billyboggins
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18/8/2014 at 3:59pm
Location: Blackpool Lancashire
Outfit: Conway countryman.
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Anything that was not fitted to the car when it left the factory is classed as a modification therefore so is a Towbar,
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18/8/2014 at 4:25pm
Location: Argyll Scotland
Outfit: 1997 Bailey Ranger 470 4
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What if you bought a brand new car that was fitted at the factory, like mine?
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Lobey.
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18/8/2014 at 4:44pm
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Where's the rip-off?
A fitted tow-bar (whether at the factory or after) is a modification, and towing is relevant to the insurer's assessment. So it should be disclosed.
That said, whilst a trailer/'van is being towed, it is part of the towing vehicle, and the car insurance picks up the legal liability. If the towed item became detached due to the negligence of the driver, and caused injury, the insurers would have to deal with it. If the towing wasn't disclosed, they may well seek a recovery. That's another matter. As is cover on the trailer itself, or on the tow-bar, for that matter.
Check the Certificate of Motor Insurance. It does not exclude towing. But yes, it should be disclosed, and yes, some insurers will charge extra for the additional risk they perceive.
A trailer or 'van should always be mentioned too if ordering a Green Card, as that document does mention it.
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Mike
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18/8/2014 at 4:53pm
Location: norfolk
Outfit: Bailey Pageant Burgundy 6 volvo V70
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i believe that when asked for any modifications they should specifically ask if a tow bar is fitted as i am sure that most people would not see this as a modification as i previously said in my op
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billyboggins
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18/8/2014 at 4:55pm
Location: norfolk
Outfit: Bailey Pageant Burgundy 6 volvo V70
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Lobey..thats a good question i assume thats not a mod if it came out of the factory that way so therefore given all the wise answers above you would not need to disclose it ..what a farce
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billyboggins
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18/8/2014 at 5:06pm
Location: Argyll Scotland
Outfit: 1997 Bailey Ranger 470 4
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Actually I did declare it, but yes, it was fitted when made as were a few other "additions" to the basic model.
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Lobey.
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18/8/2014 at 5:09pm
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When I recently insured my car, two of the many modification options listed included towbar and roofrack, both which are fitted to it.
If you declare when purchasing there is usually no addition premium, if you declare after purchase then it is not a addition premium but a administration change.
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18/8/2014 at 5:11pm
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Quote: Originally posted by LobeyDosser on 18/8/2014
What if you bought a brand new car that was fitted at the factory, like mine?
But was it fitted at the factory or by the dealer?
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18/8/2014 at 5:13pm
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Quote: Originally posted by billyboggins on 18/8/2014Lobey..thats a good question i assume thats not a mod if it came out of the factory that way so therefore given all the wise answers above you would not need to disclose it ..what a farce
I don't know whether that is aimed at me, and don't really care.
For anyone else, I specifically said it didn't matter whether a towbar was factory fitted, or after market. It should be disclosed.
But assumptions are always best, so carry on assuming.
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Mike
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18/8/2014 at 5:13pm
Location: Argyll Scotland
Outfit: 1997 Bailey Ranger 470 4
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Quote: Originally posted by Inner Zone on 18/8/2014
Quote: Originally posted by LobeyDosser on 18/8/2014What if you bought a brand new car that was fitted at the factory, like mine?
But was it fitted at the factory or by the dealer?
It was fitted by the car's manufacturer before it left the factory.
As were the other upgrades to the basic model.
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Lobey.
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18/8/2014 at 5:27pm
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Well looking at the Dacia website it is an option and therefore a modification.
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18/8/2014 at 5:42pm
Location: norfolk
Outfit: Bailey Pageant Burgundy 6 volvo V70
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Glad this has been aired ..perhaps other people will now look at their insurance details
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billyboggins
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18/8/2014 at 5:47pm
Location: west country
Outfit: None Entered
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What if a car had a tow bar removed? No one ever puts the steel bar back behind the bumper because no one keeps them do they?
This would certainly be a declareable and relevant modification. A new buyer probably wouldn't know.
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Steve
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18/8/2014 at 5:57pm
Location: Isle of Mull
Outfit: 2 x Outwells Kairos 400 Caranex
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Glad I happened on this thread! I bought a new to me car which had a towbar fitted when I got it. I was asked if I'd made any modifications to it and I hadn't so never thought about the towbar. As my insurance is coming up for renewal, I'll be checking this out.
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18/8/2014 at 6:12pm
Location: Sheffield
Outfit: Sterling Eccles Sport 636
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Having spent a lot of time on the subject of modifications and factory options I would urge caution. Different insurers classify differently.
I am with morethan now and they classify a modification as anything fitted or altered AFTER the car left the factory. Any factory fitted options are nt required in the modification declaration including a towbar.
Of interest to us with an x5. Morethan were a lot cheaper as they didn't require us to declare the £16,000 of options that were fitted to it at the factory by it's original owner. I specifically checked and this includes the towbar.
Things get more complicated though as some manufacturers don't fit towbars at the factory. So you order your Audi A4 with towbar. The dealer orders the car and then gets a local company to retrofit a towbar. You may not even know this has happened....
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