If you’ve been thinking about maybe adding a tow bar to your vehicle, you might want to think again. Word on the block is that you could unknowingly be invalidating your insurance by fitting a tow bar to your vehicle. According to recent reports, many drivers are unaware that a tow bar is considered a modification, which can lead to insurance policies being voided if not declared.
A recent article from Auto Express highlighted a case where a driver faced a six-figure repair bill after an accident because their insurer, Allianz-owned Flow, cancelled the policy due to the unreported tow bar. The driver had purchased the insurance via MoneySupermarket, selecting the ‘unmodified’ option, as the website did not clearly state that a tow bar needed to be declared.
The Caravan and Motorhome Club estimates that hundreds of thousands of cars in the UK have tow bars installed, yet many owners may not realize the potential insurance implications. Comparison websites often provide vague information about what constitutes a modification, leaving car owners confused.
To avoid such issues, it is crucial to inform your insurance provider if you plan to fit a tow bar says Towbar2u. This ensures that your policy reflects the true specifications of your vehicle and prevents any disputes in the event of a claim.
Adding a tow bar to your vehicle can offer numerous benefits, making it a valuable addition for many car owners.
If your insurance allows for a tow bar and you fancy getting one, these are just some key advantages, according to North West Tow Bar Centre:
- Increased Versatility: A tow bar allows you to tow trailers, caravans, boats, and other loads, expanding the functionality of your vehicle. Whether you’re planning a family holiday or need to move large items, a tow bar provides the flexibility to handle various tasks.
- Cost Savings: Using a tow bar can save you money on hiring trailers or moving services. For example, if you’re moving home, you can use a trailer attached to your tow bar instead of paying for professional removalists.
- Convenience: A tow bar makes it easy to transport bicycles, sports equipment, and other bulky items. Bike racks and cargo carriers can be attached to the tow bar, providing a hassle-free way to carry extra gear.
Tow bars can also be detachable too when their not in use, meaning they can free up space and maintain the aesthetic appeal of your vehicle. This is particularly useful for those who only need to tow occasionally, as you’ll have improved storage as and when you need it.
In case you found yourself broken down or getting stuck in difficult terrain, a tow bar can be a lifesaver. It allows you to pull your vehicle out of tricky situations, providing peace of mind on the road too.
Are you considering fitting a tow bar to your car, or have you already done so?
