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Beware if you have a Towbar fitted

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Beware if you have a Towbar fitted

Post by whistlinggypsy on Tue 16 Dec 2014 - 14:22

Beware if you have a Towbar fitted, after reading an article in this months C&CC magazine about a chap that was rear ended in his car and made a claim on his insurance, it was declined because he had NOT informed them he had a towbar fitted, it is a modification to the vehicle and therefore the Ins. company must be informed.

I checked with my Ins. company and they told me the same NO you would not have been covered for any damage caused by the towbar on my vehicle, a quick amendment to my policy F.O.C. and all is now tickety boo.

So beware if you have a towbar fitted on your car/motorhome and have not informed the Ins. Co.it may be wise to just make a quick call and inform them.
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Re: Beware if you have a Towbar fitted

Post by The Burchies on Tue 16 Dec 2014 - 15:25

Thanks for the heads up Bob, very useful information for everyone cheers
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Re: Beware if you have a Towbar fitted

Post by debbie on Tue 16 Dec 2014 - 15:33

I once found a three wheeler Reliant Robin with a towbar! It was when I was a bus driver, was in a bit of a rush, but not speeding, came round a bend and the traffic had stopped unexpectedly, applied the brakes and discovered that I had total brake failure, including the handbrake, hit him square on, but did no damage to the Robin, because of the towbar. You just never know do you! Embarassed
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Re: Beware if you have a Towbar fitted

Post by whistlinggypsy on Tue 16 Dec 2014 - 16:57

[You must be registered and logged in to see this link.] wrote:Thanks for the heads up Bob, very useful information for everyone cheers
Mark, it was a bit of a surprise/shock to realise that anyone could be involved in a shunt and then find out your not covered it could be a very expensive oversight.
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Re: Beware if you have a Towbar fitted

Post by Techno100 on Tue 16 Dec 2014 - 17:31

Didn't you get insurance for towing the caravan? surely that would be a clue to the insurers
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Re: Beware if you have a Towbar fitted

Post by whistlinggypsy on Tue 16 Dec 2014 - 17:37

Yes of course, but not from the same company  Rolling Eyes
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Re: Beware if you have a Towbar fitted

Post by KSH on Tue 16 Dec 2014 - 17:47

I bet 90% haven't notified that!

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Re: Beware if you have a Towbar fitted

Post by SandJ on Tue 16 Dec 2014 - 22:25

Would it not be the same for a bike rack or bike/scooter rack? Or even the back rack?
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Re: Beware if you have a Towbar fitted

Post by whistlinggypsy on Tue 16 Dec 2014 - 22:28

Don't know Steve but I would check up just for piece of mind
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Re: Beware if you have a Towbar fitted

Post by Techno100 on Tue 16 Dec 2014 - 23:14

[You must be registered and logged in to see this link.] wrote:Yes of course, but not from the same company  Rolling Eyes
It never occured to me that that was possible, surely a conflict of interests at claim time over who is responsible for what in their attempts to get out of coughing.
I only had one caravan and I made sure it was covered by my car insurer.
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Re: Beware if you have a Towbar fitted

Post by whistlinggypsy on Tue 16 Dec 2014 - 23:27

Agree Andy, but the car was already insured and the best deal I got was with the C&CC for the van, hence the two insurance companies, now at renewal that another thing. Wink
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Re: Beware if you have a Towbar fitted

Post by bjderbys on Thu 18 Dec 2014 - 9:45

Thanks for the info Bob, i have just phoned my insurance company and updated my policy to include a tow bar
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