Car insurance question

Some insurance companies do class it as a modification but many don't, it pays to shop around. For instance my insurance is with Landrover and underwritten by Allianz, a towbar is not classed as a modification by them and no extra payment required, this was replied in Email when I notified them.

If they class a towbar as an excuse to not insure your vehicle, then i would i would be worried about them as a company in the event of a claim

Marks and Spencer Insurance,  they obviously use other companies but even so I am really disappointed with them and don't think I will stay with them long term. 

In all my years caravanning never heard of this.  Yes a towbar is a modification but this has always just been noted with no extra cost. 

I have a tow bar on a Freelander2,  M&S insurance notified and they accepted it without problem and without any surcharge. 

Many Policies do require you to advise them that you might tow on occasions.  I have never been required to pay additional premiums after doing so. If that did become the case I would very quickly change insurer. Currently with NFU - Great!

TF

Hi all,

Not sure if this sits in this area, but we are new to caravaning so it won't be far away. I had to have a tow bar fitted to my Kia Sorento so I could join the world of caravaning. I rang my car insurance to tell them about the tow bar as it is classed as a modification and I was shocked to hear that the under righters refused my insurance and I was left having to take out a new policy And of course it went up in cost as well. Anyone else had this? 

Write your comments here...Insure with The Caravan Club, you declare to them you have a towbar fitted and they enter that onto your policy but they do not charge you any extra premium.

The decision is total rubbish and I can only think someone has got their wires crossed at the firm. Drivers who tow are statitically safer than the rest so there is no reason to exclude them or even charge a higher premium.  The replacement policy should not cost more but it depends who you went with. 

It is a modification but most insurers do not regard it as relevant but you should declare it. If they charge more they are at it and look elsewhere. 

Both clubs insurers will not charge extra and my insurer More Than do not amongst others.

Wonder how they would view a factory fit towbar which is not classed as a modification.

Well I know which company I won't be using again. Thanks for all your comments .