Emsylou replied on 25/08/2018 10:13
Posted on 25/08/2018 10:13
I am hoping you can help out. We pick up our first caravan next weekend and have had to have a tow bar fitted to the car. After reading in a caravanning magazine that once you have a tow bar fitted it is classed as a modification to the car and you need to declare it with insurance provider. I have done this and was told that they can no longer insure the car because of this. I have just tried to take out insurance with another company to be told the same thing, however my argument with them was that they didn't ask if the car had any modifications and if I hadn't of asked if they needed this information then they would never have known. I then asked what would happen if had an accident whilst towing, would the policy have paid out and they said no it wouldn't have done. The insurance sites do not ask this question when trying to get quotes.
I guess my question is, who do you insure your cars with as I am struggling to find insurance for under £1000!!
I have done the insurance quote through the caravan club, but that didn't ask the question either, so do I just assume that because its through this website they will automatically know that you will have a tow bar?
I would really appreciate any help with this matter.