Suechoccy
Well-Known Member
It has never occurred to me in nearly 20 years of towing horses and caravans with various Fourtraks that the tow bar counts as a "modification" because it wasn't fitted to the car at the time of manufacture (so wasn't a standard fitment). *That question on your insurance renewal "does your car have any modifications?" *Well I always thought that referred to boy racer stuff or lowering the suspension,etc.
Then I saw a thread somewhere else about a horsey tow car owner having her insurance cancelled because she hadn't informed them of having a tow bar fitted, professionally by a garage, of the correct sort, with all the paperwork. *It was deemed to be a modification that she hadn't informed the insurers of so her insurance was cancelled.
So I phoned my insurer and fessed up, asked if my non-factory but professionally fitted tow bar constituted a modification and if so, please could I add it and was there anything else to pay...
Yes it is a modification, yes I can add it, and that's £30 admin fee to cover new documents to include wording about the tow bar.
Consider it £30 well-spent, better save than sorry.
Then I saw a thread somewhere else about a horsey tow car owner having her insurance cancelled because she hadn't informed them of having a tow bar fitted, professionally by a garage, of the correct sort, with all the paperwork. *It was deemed to be a modification that she hadn't informed the insurers of so her insurance was cancelled.
So I phoned my insurer and fessed up, asked if my non-factory but professionally fitted tow bar constituted a modification and if so, please could I add it and was there anything else to pay...
Yes it is a modification, yes I can add it, and that's £30 admin fee to cover new documents to include wording about the tow bar.
Consider it £30 well-spent, better save than sorry.