4" lift insurance

[charlski]

When surf comes back from the bodyshop i'm thinking of fitting the supertrux 4" lift kit ............ but havin just been in a fender bender anyone know about insurance hikes / coverage issues ????

[marky]

If it effects the steering in any way they may VOID your policy

[TonyN]

If it effects the steering in any way they may VOID your policy

If you don't tell them first of any alteration, any prang serious or not may lead to them rejecting your claim. Depend how likely you think anyone will notice if anyone inspects your car.

Tell them what your gonna do, they'll either say "fine" (unlikely) "premium increase" (more likely) or "we don't cover modifications" (just as likely)

Then you'll have to shop around again.

[laser_jock99]

Insurance companies are likely to take a dim view of any 'non standard' modifcations to your car. Even fitting alloy wheels has been know to cause claims problems in the past. Add 4" to the height of the car and it's bound to affect the steering and suspension in ways Toyota did not intend.

Honesty is the best policy as a 4" lift would be easily spotted. Most insurance companies don't tollerate mods like this and it's the realm of specialist companies like Adrian Flux. They insured my 2" lifted truck no problems (actualy cost less than Tescos....)

[computingfuture]

I have a 4" lift and told the insurance b4 i got the truck no probs. the suspension is affected, i got an allignment done recentally and the tow in angles cant be set to vertical so you get uneven tire wear.

[da SLUG man]

bend the truth... just say you've gone for a pro comp lift... would you tell them if you went to ATS and they replaced toyota with monroe shocks??
tell them you've fitted uprated springs for towing or something like that. at least then you're covered but not penalised for going "performance" mods.

[stara]

i watched one of those fly-on-the-wall documentries following avon & somerset police around. There was a head on smash non fatal, but with serious injuries, the police accident investigator took a keen interest in the suspension of one of the cars, and was trying to determine if the car had been lowered, so it does seem honesty is the best policy, and a professional to fit the kit would be a wise move too perhaps.

[TonyN]

Insurance Co's are unpredicable, Co-op have covered some modified trucks that I know of. Adrian Flux are a good custom insurer, there are some other Co in the back of Land Rover mags that cover modified trucks.

NFU used to be great, thats who still insure my pickup with all its mods, but I don't think they are taking new policies on modified trucks, which is why its still insured even though I havn't used it for nearly a year but I'm worried I'll have trouble insuring it again!.

[Linda]

I'm with A-Plan and told them about my suspension lift (2"). They made a note of it but it didnt affect the premium at all.

[charlski]

Right

phoned around re insurance cover on a 4" lift with 33's, no one will touch me ........... but can get cover on a 2" lift with 31's on standard 15" rims ..... looks like after previous non payout insurance issues ive heard about im gonna run with a 2" from supertrux ... anyone done this themselves .... how hard, how long ??....... and thats not my stamina !!

[TonyN]

im gonna run with a 2" from supertrux ... anyone done this themselves .... how hard, how long ??....... and thats not my stamina !!

Its not that hard, get a set of spring compressors for the rear coils, and its a 2 or 3 beer job.



I've done about 5 this year, PM me if you have any trouble.

[_cj_]

yes mate - insurance companies are complete bollox - i've had big poblems insuring my nissan 300zx mind you when they ask about mods i have to tell them them this p.s. thank god for adrian flux

candy apple red paintwork : bomex front (modified for larger intercooler vents, indicators removed and intercooler rear vents inserted) : custom front lights : side repeaters removed : M3 type wing mirrors with integral indicators : veilside C1 side skirts (modified for wide arch) : strosek wide arch : wings west rear (modified for wide arch and single exit exhaust) : custom rear light conversion from an RX8 : spoiler removed : tailskin : custom rear lip : doors de lined : Carbon fibre bonnet with custom vents : SE bonnet bulge : Washers removed and concealed ones fitted : SE headlamp panel : quarter panels tinted with gold reflective : candy apple painted throttle cover and timing belt cover : lowered blitz springs : Koni shocks : front & rear strut braces : groved & vented rear disks with porterfield carbon kevlar pads : R33 brembo front brake conversion with 4 piston callipers : 328mm x 32mm disks with porterfield carbon kevlar pads : master cylinder brace : 18” league alloys : forged pistons : forged H beam con rods : heads skimmed, gas flowed and ported : group N head gasket : head mig wired : solid lifter conversion : re-profiled cam : vernier cam pulleys : aluminium lower drive pulley : dual POP – twin MAF intake : 60mm throttles : pentroof TD 05-16G turbos in 6cm2 housings : HKS racing 50mm wastegates : pentroof manifolds : polished upper plenum : gas flowed, ported and matched upper and lower plenum : HKS intercoolers : intercooler water mist : custom aluminium radiator : stainless radiator pipes : fidanza aluminium flywheel : organic racing clutch : ss Goodrich braided clutch hose : nismo 555 injectors : SE downpipes : decatted test pipes : HKS superdragger exhaust (single exit) : blitz dump valves on stainless pipes : performance stainless intake pipes : nismo radiator cap : pentroof oil cap : chromed engine parts (break reservoir cover, clutch reservoir cover, HICAS cover, oil dipstick, battery tie down) : stainless engine parts ( brake servo cover, centre slam panel, headlight covers, fuse cover, centre throttle strip) : metal braided fuel hoses : coloured air/vacuum hoses : performance earth grounding kit : greddy profec e-01 : greddy emanage : blitz turbo timer : racelogic traction control : A pillar two guage pod with blitz boost and water temp : DIN 3 gauge pod with afr, oil temp, oil pressure) : mines clocks ( 200 mph speedo and rpm) : chromed clocks rings : candy apple painted central panel and door switch housing : leather cobra racing seats : black leather trim : momo gear shift :

Regards,

alex

[charlski]

cheers tony, already got some, back ends not a concern, as ive done loads similar, more front end really as ive never dealt with anything with a torsion bar, whats the deal with this ??

[mickharv2003]

I use a company called Roadsure,tel 02089899595.They have a policy where you dont get no claims,but it doesnt seem to matter what mods you have as long as the engine isnt modified,and they are cheap compared to others i tried.Example Adrian Flux,£374 tpft £400 xs,Roadsure £354 fully comp £100 xs so i went with Roadsure naturally,and i even got roadside recovery included

[TonyN]

cheers tony, already got some, back ends not a concern, as ive done loads similar, more front end really as ive never dealt with anything with a torsion bar, whats the deal with this ??

Its pretty simple, you need to jack the front or the truck up, undo the adjusting bolts (on the gearbox crossmember) then its just the 2 bolts holding the anchor end to the top front wishbone.

Then set the new bars on the rear bolt to 14ish" inches (for 15" wheels) from top of wheel rim to bottem of the middle of the front wheel arch lip for stardard ride hieght, or 15" for a bit of lift, but you may have to saw the upper bump stops in haft as they will hit to early giving a harse ride if the bars are tweaked much. DOn't go more than 1 1/2" over standard unless you have fitted manual locking front hubs, or the front CV's won't last long.

Toyota's stock setting is 2 1/2" from center of tip of driveshaft, to the center of the tip of the front side lower wishbone cam. (kind hard to follow, but it works out. )