You just need to tell them that you have a towbar fitted that's all as some vehicle insurance companies class it as a modification and others don't. At least that way you are covered in the event of a claim.
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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!
Outfit: coachman 380 2 Kia magentis 2.0 crdi Location: surrey Joined: 11/10/2008
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I changed to admiral last year and told them I had a towbar fitted, MAD springs and also a tuning chip box and it made no difference to the price. I have just renewed with them on their multi car insurance and got a good price for both our cars