Sorry If Its Been Asked Before

[georgeriley]

Do i need to inform my car insurance company if im towing a van ?

 

[tourer_borer]

Almost all companies will cover you for third party liabilities, but to be 100% sure might be worth telephone to check or see if its printed in the policy book

[SuperJock]

Yes you do.

Also make certain they know you have a tow bar fitted, it is classed as a modification to your car.

[henrypartridge]

True, you must tell them you have fitted a towbar. My company wanted to know that (LV, no extra premium) but weren't interested in what I was towing. Best tell them, give them no excuse to wriggle out of any claim, not that I'm cynical.

[jslocks]

Yes definitely tell them and make sure they note it on your account. Most won't charge extra.

[CommanderDave]

As said you need to inform them you have a towbar fitted and that you tow a caravan even if they don't need the information you have covered yourself.

 

You could see yourself in court with the insurance company claiming back any money they have had to pay out in third party claims in the event of a accident.

 

Dave

Edited February 14, 2014 by CommanderDave

[milkymarsh]

You need to tell them ref a towbar, so you may as well as mention the van at the same time.

[georgeriley]

Thankyou guys

[bob1982]

I agree with everyone else. ... there is something called material fact within all insurance and it can be quite harsh. In essence there is a duty on the policy holder to disclose anything that may affect the insurers decision to set a premium or hold cover. This is also an ongoing duty so not just something you are required to do when you start or renew the policy. ... its when anything changes including modications to car van or anything else. The rule is if in doubt just tell them.

 

Failure to disclose material fact can void the entire policy from the start date whether or not the loss you incure was related to it. This is on occasion harsh and is the root often of why insurers get a bad press. Tell em tell em.

[beejay]

Failure to disclose material fact can void the entire policy from the start date whether or not the loss you incure was related to it. This is on occasion harsh and is the root often of why insurers get a bad press. Tell em tell em.

 

 

Voiding a policy depends on whether the material fact was a factor in a claim. Regardless, an insurer cannot avoid paying out on third party claims despite an undeclared material fact. In theory, any such payment could be recovered through a civil case against the insured person but there are no records of such happening. ....are there?

Edited February 16, 2014 by beejay