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I passed my test in 98 prob about this time of year as it wasn't long after my 17th bday. I'm sure my insurance has the towing weight on the docs as its a business vehicle and everything i tow needs to be covered incase of accidents (during transit or on site) I'll dig it out and double check. It's very rare i'm that loaded with weight as the van doesn't like to pull very well and if i do take my digger to a job then i won't have a mower on the van as well. Just used that as an example of what i believed to be the way the towing allowances worked. But i could be wrong so don't use this as evidence in court if you get pulled over by the police.
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