Will a manufacturer-fitted tow bar count as a modification?

I have just ordered a new Toyota Yaris Cross for expected delivery early next year. We have ordered a factory fit tow bar/tow ball kit in order to carry a cycle carrier. Since the tow bar is factory fitted...

Do I need to inform my insurance company if I fit a towbar for use with a cycle carrier?

Do I need to inform my insurance company if I fit a towbar for use with a cycle carrier?

If I declare a hard wired dash camera in my car, will my insurance premium increase?

You mentioned that, for insurance purposes, fitting a hard wired dashcam could count as a vehicle modification. If unannounced, it could then invalidate car insurance. Is it not time that insurance companies...