Do I need to inform my insurance company if I get a towbar fitted?
Posted on December 19th 2016 by Towbar2U
Protecting your car against accidents is important all year round, but especially so in the winter months, when icy roads and cold brakes can increase the risk of an accident. If you have a towbar fitted, not informing your insurance company of this addition could cause your policy to be invalidated.
Check out our FAQs on vehicle insurance when you have a towbar here to ensure you’re covered at all times.
Do I need to let my insurance company know if I have a towbar fitted?
Yes. A towbar counts as a modification to your vehicle in that it will differ from the manufacturer’s factory specification once fitted. Any modifications to your vehicle can affect your insurance policy, which means you will need to inform your company if you are planning on having a towbar so they can adjust your policy details accordingly.
Why do I need to inform my insurance company about my towbar?
Car modifications can affect how your insurance premium is assessed in terms of risk of accident, and any risk of theft. Having a towbar fitted means you can tow other vehicles, caravans, and even boats, which could increase the risk of accident on your policy. For this reason you need to inform your insurance company to ensure you are assessed correctly with the level of risk your vehicle presents.
Will the towbar increase the price of my insurance policy?
This will vary depending on who you are insured with. The towbar shouldn’t increase your insurance, although you may be charged an amendment or service fee if adding it to your existing vehicle.
Other insurance companies may decide to raise your policy premium as a result of you having a towbar fitted – it may be worth looking for alternative quotes in this circumstance.
Will I be covered for damage to my towbar?
Again, this may vary depending on your insurance company. If you add your towbar to the policy, it may be covered for any damages that occur, but it is best to clarify this first.
At Towbar2U, we pride ourselves on supply and installing only the highest quality towbars for our customers, ensuring a safe and secure fit for when you’re on the road.
We can supply a range of towbar types to suit all vehicles, and offer a mobile fitting service for your convenience. Simply give us a call on 0800 998 1969 to find out more and we’ll be happy to help you find the right towbar for your needs. To find your local fitter use our handy postcode finder.