Towbar on Jimny 2004

I bought my 2004 Jimny secondhand with a towbar fitted. Budget Insurance want to charge me an additional £500.00 to update my policy as a modification. I wanted to check with the forum whether towbars came standard on Jimnys or whether it is in fact a modification. Also, can anyone recommend a Jimny friendly Insurance company?

Thanks

Wow! OK so they were an accessory from suzuki and the car comes with mounting holes already in the chassis. That said I would be surprised if many are actually from suzuki mine is a towtrust one.

The problem with insurance companies is that they will look for any reason to load the price.

A tow bar is a modification unless every vehicle of that model comes with one fitted.

Some insurance companies don't car about tow bars are less worried if the tow bar is a genuine one.

The solution is to do one of two things:

- Go on a compare site and put in a standard car, see what premiums you get;

- Then change it to add a tow bar as a modification, if you find a quote that isn't too expensive go with it.

Or, do you need a tow bar? If not take it off.

Robin

Let's be fair, the entire insurance industry is fundamentally corrupt. It's not a safety net for consumers it's a license to print money for board members and share holders.

Thanks for the advice. I used a comparison site and found another insurance company that had a reasonable premium.

DrRobin wrote:

A tow bar is a modification unless every vehicle of that model comes with one fitted.

Robin

I wouldn't say it is a modification. The vehicle is designed to tow and has a tow rating. Tow bars are also dealer supplied and fitted, so aka as from manufacturer. They are just an option you need to tick when buying.

And as it is not a modification, I don't see why you'd even need to tell an insurance company, it is a standard part.