I have fitted a towbar, roof rack or parking sensors — do these count as modifications?
What should you do?
- Tell the insurer whether items are factory-fitted, dealer-fitted or added later.
- For a towbar, make sure your policy use is suitable for towing.
- Check whether carried bikes, roof boxes or trailers have separate cover limits.
- Keep details of professionally installed parking sensors or other equipment.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
The safest approach is to describe the change and let the insurer decide whether it affects the policy.
A towbar, roof rack or parking sensors may be routine accessories, but an insurer can still ask about changes from the vehicle’s standard specification. If in doubt, disclose the fitting and ask whether it needs to be recorded.
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