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  #1  
Old 12-29-2014, 05:04 PM
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Default Lifted truck insurance for Ontario

Who are you guys insured with who have lifted your truck?

Been reading online and seems everyone is "playing dumb" and hoping their insurance company won't void their insurance when they make a claim because they haven't disclosed the lift.

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Old 12-29-2014, 05:12 PM
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Interesting question. I never heard of anyone asking their insurance company or agent about a truck with a lift kit installed.
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Old 12-29-2014, 05:48 PM
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If the insurance company found out that a vehicle had a lift and that lift was deemed to affect the drivability or safety, then they could void a policy and/or a claim. And unless the insurance company was informed of any aftermarket parts and was rating and charging accordingly, chances are you wouldn't get that money back for those parts in the event of a write off.

(Statement quantified by my Wife who underwrites for an insurance company.)
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Old 01-01-2015, 10:31 PM
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^^^^^^^^^^^

That's very interesting coming from somebody assumedly with proper knowledge. Every single time I have bought a new bike, sled, car, truck etc I have been asked explicitly if there are any modifications to the vehicle. I answer no, as there aren't at the time, and I don't mod anymore. But I always ASSumed that had I said yes they would have just said they won't insure it. It would be nice to think I'm wrong on that!
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Old 01-01-2015, 10:39 PM
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Quote:
Originally Posted by Team Lazy View Post
^^^^^^^^^^^

That's very interesting coming from somebody assumedly with proper knowledge. Every single time I have bought a new bike, sled, car, truck etc I have been asked explicitly if there are any modifications to the vehicle. I answer no, as there aren't at the time, and I don't mod anymore. But I always ASSumed that had I said yes they would have just said they won't insure it. It would be nice to think I'm wrong on that!
they want your money im sure they would insure it by asking for even more money!
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Old 01-01-2015, 10:44 PM
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Good! Lifting a truck simply ruins it in my opinion.
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Old 02-22-2015, 08:46 PM
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Any suggests of companies who actually insure lifted trucks? I read on another forum TD will drop you instantly.
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Old 02-22-2015, 09:16 PM
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I believe an insurance company called Primum insures lifted and modified vehicles.......
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Old 02-22-2015, 09:35 PM
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I'm with State Farm. I let them know what I was doing and wanted coverage on the mods. At first they said they wouldn't cover 6" lift and new 4.56 gears etc. ,since it was modified. Once I told them I was moving my House and both Car Insurance to another company, then they changed their tune. I pay a little bit more per hundred value added, and they don't cover the labour cost of the modifications.
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Old 02-23-2015, 06:36 PM
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Chunkem, I'm with Primmum who underwrites for TD. Maybe I'll give them a call and see what they say. I know TD how to insurance providers... Primmum and Meloche-Monnex.
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