how does towing a van effect your insurance?

[mamfstone]

Does if send it through the roof....do you even need to tell them??? sorry newbie

 

[Mike_5041089]

Hi, no towing a van shouldn't affect your insurance premiums - at least it never has mine, provided you stick to the car & van makers' recommended loading and noseweight capacities - fail to comply with these and your insurance co would be entitled to void any claim. As with all matters relating to Insurance Co's it's best to tell them and it maybe a condition of your policy. Your car will after all, be slightly modified by having a towbar fitted. It's also a good idea to take out seperate insurance for the van, as some car policies don't provide any cover.

 

[CliveV]

As someone who works in "insurance" my advice is to tell your insurer and do it in writing, then phone them to confirm reciept and take the name of the person who confirms that they have recieved and logged your letter.

There is a case on file of where a towbar was fitted badly which resulted in the electric motor in one of the seats catching fire. The whole interior of a 2 year old car had to be replaced. The insurer tried to wriggle out of the claim initially as the Towbar was a "modification" which they were not informed about.

My advice is to treat all insurers and complete devious b*st*rds and the only way to be treated fairly by them is to give them no room for manouvre. To do this keep records and DO NOT RELY ON A TELEPHONE CALL TO UPDATE DETAILS. Call centre staff are there to take calls and the more they deal with the better their bonus - this often means that they tell you they have updated your details but in some notable cases nothing was actualy logged onto the system.

Confirm everything in writing.

 

[CliveV]

Sorry - last para - 8th word should read "as" not "and"

 

[CaptainKangaroo]

Clive as you work in insurance does this mean your a devious alan bas'tard ........

 

[CliveV]

No Andy I am a broker who researches the best cover, plan or stratagy for my clients then and then negotiates the best deals on their behalf.

I only deal with Standard & Poor's AAA rated providers on the whole as I never want to have to sit in front of a client having to explain to them why a plan I recommended is being disputed by the provider I recommended.

As a consequence I have to put some very clever and articulate individuals through their paces before their companies are recommended to our clients

Consequently your childish utterings are easily dealt with and a source of constant (if somewhat simple) ammusment in this office. We have a few guys who enjoy caravaning/camping outdoor pursuits etc. We all agree you should get out more.

Your latest game of multiple questions via slight derivations of your psudonim is just so clever it has left us all gasping with admiration here. How do you think of such wonderous games?

Very interesting input from John L & Paul & Ruth on another thread. Interesting insight into your possible psychology. Probably enough research data via you for a PHD, certainly a MSc.

Please keep up the good work - you make the rest of us look so much better.

 

[Ted2]

As someone who works in "insurance" my advice is to tell your insurer and do it in writing, then phone them to confirm reciept and take the name of the person who confirms that they have recieved and logged your letter.

There is a case on file of where a towbar was fitted badly which resulted in the electric motor in one of the seats catching fire. The whole interior of a 2 year old car had to be replaced. The insurer tried to wriggle out of the claim initially as the Towbar was a "modification" which they were not informed about.

My advice is to treat all insurers and complete devious b*st*rds and the only way to be treated fairly by them is to give them no room for manouvre. To do this keep records and DO NOT RELY ON A TELEPHONE CALL TO UPDATE DETAILS. Call centre staff are there to take calls and the more they deal with the better their bonus - this often means that they tell you they have updated your details but in some notable cases nothing was actualy logged onto the system.

Confirm everything in writing.

"There is a case on file of where a towbar was fitted badly which resulted in the electric motor in one of the seats catching fire."

In this case I would agree with the insurer rejecting the claim. Clearly the person fitting the towbar is responsible for the damage.