A towbar can fall within an insurer's definition of a modification because it changes the vehicle from standard specification. Many insurers treat it as a routine non-performance change, but it still needs to be declared where the quotation asks for modifications.

How insurers commonly treat this

• A factory-fitted towbar and one added later may be recorded differently.
• Towing liability under the motor policy is separate from insurance for the caravan or trailer itself.
• An insurer can confirm how its modification question applies to a particular installation.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.