Towbar on car insurance
Just for info for some reason I decided to call my insurance - Direct line about my towbar and they said it was ok and not a modic=fication but it was essential to notify them. They then prompted me to say what was on the tow bar and I said bike rak. They then asked me if I carried a bike on it - well of course. They were not being weird but said that if I had not declared all three - towbar, rack and bike then a claim would have been invalidated.
On renewing my policy I tried with Tesco and they refused to quote because of the modification. Great and how do I now answer the question - have you ever been refused insurance?
On renewing my policy I tried with Tesco and they refused to quote because of the modification. Great and how do I now answer the question - have you ever been refused insurance?
...take your pickelf on your holibobs.... 
jeez :roll:
jeez :roll:
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jeez :roll:
jeez :roll:
jeez :roll:
I can't get a quote with Saga, but that doesn't mean I've been refused insurance.
Insurance contracts are different from other contracts in the fact that you have the obligation of the utmost good faith "Uberrima fides". Basically the duty is on you to declare everything.
One way of doing this is to go with an optimistic approach on the on-line form and then phone up the agent to take the quote out and discuss with them there and then. You then get all the facts out needed with the pressure on the agent to make the sale.
There may be other factors causing them to decline e.g. spent convictions. You are protected by the rehabilitation of offenders act allowing you to answer "NO" to a question on convictions once they are properly spent.
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