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This very day I called my insurer, Admiral, to tell them I am now towing a caravan occasionally. Said I had a towbar fitted as well and that it was there when I bought the car (second hand ). But I suspected it was aftermarket. They looked up modifications on the system and it was not in the list! Nothing to pay, but it is down in record that I let them know.
Definitely get all the details up front. You may not be insured if you don't tell them...and some companies charge crazy admin fees for amendments!