Car Insurance Anomalies

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Indalo1
Posts: 253
Joined: Fri Jun 21, 2024 7:02 pm

Post by Indalo1 »

petchyuk wrote: Thu Dec 05, 2024 9:53 am they said that adding a tow bar doesn't count as a modification and doesn't affect their policies
Welcome to the forum, ‘petchyuk’.

I think you should consider yourself fortunate to have an insurer that has such an attitude towards towbars. I always declare mine when I arrange car insurance and by and large, there seems to be no increase in premium as a result.

However, I am aware that some car owners have fallen foul of difficulty arising from a failure to notify their insurer when making a claim for damage.

I haven’t actually towed anything since the early 1960s and when I finally hung up my spanners in 2003, I chose to purchase a new 6-berth motorhome rather than get involved with all the hassle of caravanning. I had 13 years enjoyment from my truck, spending time in France and Spain as well as visiting the Lake District and parts of northern Scotland among other jaunts.

Accordingly, all I need a towbar for these days is my cycle rack as I don’t consider it safe or sensible to carry bikes, particularly heavier electric ones, on the roof or attached to the tailgate of my Tucson. I specified one on ordering a new KIA Optima SW in 2016 which served me well and I had one fitted just after purchasing my Tucson in 2023.

As I was left high and dry in 1966 when ‘Irish-American’, my then insurer, went bust, I have ever since had a particularly cynical view of car insurers and nothing over the last 58 years has caused me to change my view of them. In a word, they are all 'shysters' and most of them are tax cheats with business addresses outside the UK.
Hybrid in Ultimate trim - ordered 12/05/23 - Collected 07/06/23
Herts/Essex but often Spain

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PhilHornby
Posts: 548
Joined: Fri Mar 03, 2023 6:04 pm
Location: North Devon

Post by PhilHornby »

KevinBattle wrote: Thu Dec 05, 2024 10:17 am If the tow bar has no effect on the CAUSE of the accident (ie being hit from the front by the other driver) how can that have any bearing on the claim?
Apparently some insurance companies won't insure cars with tow bars at all...
...So if you don't declare it to them, they just take your money and refuse to pay out when the day comes...

https://www.autoexpress.co.uk/news/3652 ... -insurance
N Line S Hybrid (HEV).
23 plate - built Nov '22
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Indalo1
Posts: 253
Joined: Fri Jun 21, 2024 7:02 pm

Post by Indalo1 »

PhilHornby wrote: Wed Dec 11, 2024 2:39 pm Apparently some insurance companies won't insure cars with tow bars at all...
...So if you don't declare it to them, they just take your money and refuse to pay out when the day comes...
Gosh ‘PhilHornby’, you make them sound like a bunch of shysters.....oh, hang on!😁
Hybrid in Ultimate trim - ordered 12/05/23 - Collected 07/06/23
Herts/Essex but often Spain
KevinBattle
Posts: 58
Joined: Sat Nov 23, 2024 4:09 pm

Post by KevinBattle »

Indalo! - surely not - oh hang on - https://www.thisismoney.co.uk/money/car ... index.html
Ultimate AWD PHEV in Sailing Blue + Moss Grey interior.
(ex Sporty PHEV)
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Indalo1
Posts: 253
Joined: Fri Jun 21, 2024 7:02 pm

Post by Indalo1 »

KevinBattle wrote: Thu Dec 12, 2024 6:21 pm Indalo! - surely not - oh hang on - https://www.thisismoney.co.uk/money/car ... index.html
Oh, quelle surprise........not!
Hybrid in Ultimate trim - ordered 12/05/23 - Collected 07/06/23
Herts/Essex but often Spain
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