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Old 08-18-2012, 12:30 PM   #1
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How does a lift affect your insurance?

Hi all,

Do you guys tell your insurance co that you've had a lift installed, and if so, did it affect your rates?

Thanks!

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Old 08-18-2012, 12:32 PM   #2
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would like to know this as well

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Old 08-18-2012, 12:48 PM   #3
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don't think most people tell their insurance about their mods. I can't speak for offroading, but for example if you add a supercharger to a car and tell the insurance your rates will skyrocket and they won't cover the mod anyway.
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Old 08-18-2012, 02:53 PM   #4
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Agreed! Although some mods are easier to hide than a lift which is visually apparent.

Quote:
Originally Posted by bfgrubi View Post
don't think most people tell their insurance about their mods. I can't speak for offroading, but for example if you add a supercharger to a car and tell the insurance your rates will skyrocket and they won't cover the mod anyway.
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Old 08-18-2012, 03:11 PM   #5
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Old 08-18-2012, 03:27 PM   #6
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The lift is simply not covered. So if your jeep gets totaled, the insurance company won't compensate you for the lift. Not a big deal for a budget boost kind of thing, but if you've got a high end set up, that could be an expensive loss. Call your insurer and say you're "considering" some mods, and want to know how you should go about getting them covered and whether any of the stuff you're considering would significantly affect your rates.

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