We recently by chance found out that having a tow bar made our car insurance void. I know it sound stupid but it never crossed our mind that a tow bar was seen as an accessorie. So had to rapidly cancel insurance and actually speak to insurance company and find out if they actually insure tow bars- probably everyone out there is saying its an obvious thing checked the drop down on modifications on caomparison sight and its not mentioned should be made very clear dont want anyone to do the same as us.