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  #1  
Old 11-24-2008
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Canadian Insurance: for lifted Trucks

First off, i searched. And many posts were talking about there companies changing policies. Plus I know either way if i start a new thread, or bring up an old one someones going to hassle me about it. But here it is,

My insurance company just told me that once i put a body lift on my truck, they will not insure me. Im just wondering what company you guys are with? And how much of a difference it was from stock. Im planning on just body lift and 33's, nothing major.
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Old 11-24-2008
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Weird, here in Sask, I'm with SGI and we (family & GF's family) have plated several vastly modified vehicles with no hassle, even with an appraisal and inspection.

Best prime example, 1998.5 Dodge 3500 with 10"+ of lift and 38"s, rolled it through an inspection (was an out of prov vehicle) and paid the same as every other 98' Ram 3500.

Maybe try contacting some other local insurance companies on their policy towards slightly modified vehicles . . .
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Old 11-24-2008
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I'm going to have to look around. It sucks because belaire direct dropped my insurance $800 from the other company. Also i paid them for the whole year, so I cant even put the lift on (which will be here in a day or so) until that expires and i change. Going to have to put it off for a few months more then planned. I just hate driving around a stock truck haha.

** Forgot one other question. If there's any other CF guys on here, have you dealt with the Canex insurance? Some guys in my unit said there's dropped quite a bit. Haven't checked in on lifts yet.

Last edited by Ranger928; 11-24-2008 at 06:37 PM.
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Old 11-24-2008
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just dont tell them :D
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Old 11-24-2008
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I use Wawanesa Insurance but I'm not lifted. They do ask you if you have offroad lights, a winch or other accessories but I don't. The are a Canadian company but they do have an office in California and in Oregon.

http://www.wawanesa.com/

Last edited by whippersnapper02; 11-24-2008 at 06:49 PM.
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Old 11-24-2008
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ive never heard of that before. Hey i have a brand new BL 3inch kit for sale im not using..
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Old 11-24-2008
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It might depend on which province your in as the laws regarding modified vehicles vary between provinces. I know there's tons of custom vehicles around here, and I doubt that they're all driving around without insurance.
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Old 11-24-2008
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Theres tons of truck around here too. Theres a jeep club in the area. Theres one ford that drives around that i could probably park under. It has like a 3' suspension lift and what looks like at least a foot body lift. It looks rediculous, but it stands probably as high as the roof on my garage.
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Old 11-25-2008
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I have allstate, the only thing the guy wants is a reciept for the parts, so that they can increase my premium slightly to cover the extra cost of getting the aftermarket parts in in the event of an accident. If I don't provide a reciept, it was told to me stock parts would be put back on.

This is in Quebec.

They quoted me an extra $50 a year if I put $1000 into my truck.

Ohh, and the lift must be manufactured specifically for my truck, no custom jobs.
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Old 11-25-2008
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that is weird here we pretty much only got one insurence place and if it is lifted they just do an inspection and such on it and your good to go. if they didnt insure lifted trucks there would be like 100 trucks on the road here haha. Could it be that the person you talked to was new or didnt know the policys or something like that
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Old 11-25-2008
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Well i emailed them first. Then got a reply to contact there "specialists" so i called the number they gave me. The guy put me on hold for a few minutes, and said that they do not insure any vehicle with any sort of lift of cosmetic modification.
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Old 11-26-2008
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Belaire direct, TD, PC, (called all of them) a few others i did online...non insure vehicles with modification. I called an insurance broker to look around for me. Hopefully i'll find one. Going to look into the one's posted above. I have until Feb to find one.
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Old 11-26-2008
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What part of Canada? I know in BC if you go through ICBC they have no problem, But it is a few select Private Insurance companies that will not cover you. I looked into it myself, because a superlift is on the way to me, I just called around to other places, told them the cheapest price I was quoted, and they will match it. I think that its just the private corperations that have the problem. If you phone around to other companies and ask them to match your policy, then you should be able to get the same deal.
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  #14  
Old 11-27-2008
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Originally Posted by chainfire View Post
What part of Canada? I know in BC if you go through ICBC they have no problem, But it is a few select Private Insurance companies that will not cover you. I looked into it myself, because a superlift is on the way to me, I just called around to other places, told them the cheapest price I was quoted, and they will match it. I think that its just the private corperations that have the problem. If you phone around to other companies and ask them to match your policy, then you should be able to get the same deal.
Im in Ontario. And theres lifted trucks everywhere. So there must be something. What was there policy on it? All im looking for is liability. So even if i got into an accident then the truck would not be covered anyway. Did they say your price would be raised, or just not cover the extra cost of the modified parts?

Last edited by Ranger928; 11-27-2008 at 08:21 PM.
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Old 11-27-2008
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I'm with TD Waterhouse and they used to require I provide a photo of the vehicle. So,I would submit them a photo of my stock vehicle and modify it from there. They never knew any of my vehicles were modded, or had the colour changed or anything like that. I also just have liability anyways,so if anything happens,I'm screwed anyways.
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Old 11-27-2008
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Quote:
Originally Posted by Ranger928 View Post
Theres tons of truck around here too. Theres a jeep club in the area. Theres one ford that drives around that i could probably park under. It has like a 3' suspension lift and what looks like at least a foot body lift. It looks rediculous, but it stands probably as high as the roof on my garage.
Is the club called Independant Off Road?
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Old 11-27-2008
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ive only been to canada once and saw a bunch of trucks and modded cars cruising around sault ste marie so it can be done .... thats whack that your insurance would give you a hard time
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Old 11-28-2008
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Is the club called Independant Off Road?
The club is called "Pit Boyz". Its in and around the Newmarket area.

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ive only been to canada once and saw a bunch of trucks and modded cars cruising around sault ste marie so it can be done .... thats whack that your insurance would give you a hard time
Thats what i thought. I assumed if anything they would just not cover the extra mod parts on the truck, and only replace stock. But they told me I would have to look for another company. With the other companies, i'm starting to think there telling me they wont cover the cost of a modification when they say "we dont cover any sort of modified vehicle". Because they all told me the same thing. I have one more place to call. My buddy told me something about them having to inspect the truck, so I assume they cover modifications. I will post up which ever company i finally find in case any body else is in the same situation.
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  #19  
Old 11-28-2008
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Weird, to be honest i've NEVER heard of this in my life! I just did a BL and susp. lift on my 04 and i'm out in Montreal. No one ever mentioned anything about premiums or rates increasing based on lifts etc?.. When i called for my insurance, which is only 1 way (which may be the difference?) they didnt even bother to ask if there were any modifications to begin with.. I think i pay 200 a year? lol.
I'm with Aviva, which is a branch of Morris & Mackenzie..
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Old 11-28-2008
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The club is called "Pit Boyz". Its in and around the Newmarket area.



Thats what i thought. I assumed if anything they would just not cover the extra mod parts on the truck, and only replace stock. But they told me I would have to look for another company. With the other companies, i'm starting to think there telling me they wont cover the cost of a modification when they say "we dont cover any sort of modified vehicle". Because they all told me the same thing. I have one more place to call. My buddy told me something about them having to inspect the truck, so I assume they cover modifications. I will post up which ever company i finally find in case any body else is in the same situation.
Ah,I've heard of them. I'm not too far from Newmarket. Actually,I was just there lastnight picking up some tires.
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Old 11-28-2008
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$200 a year

man you canadians may pay more for gas but that is awesome ... i have a ticket on my record and with that my liability only coverage is 1200 / year
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Old 11-28-2008
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$200 a year

man you canadians may pay more for gas but that is awesome ... i have a ticket on my record and with that my liability only coverage is 1200 / year
$200 a year is cheap, very cheap.

I pay $524 a year plus a 3% Accident Free discount, combined with CAA (like AAA but with insurance benefits) Extensive Coverage (fire, acts of God, accident mine or not, water, etc.) for about $150 a year, making my deductible $200, just for my 94'

The MK VIII and 535 get pretty expensive but I have them plated as Farm vehicles for a little extra discount.
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Old 11-28-2008
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well the other thing i have to consider is i live in California which is considered a "premium state" .... i may be moving to arizona next year .. but i hear their insurance and tags are almost as high as ours too cause lots of cars get stolen and driven into mexico and parted out there
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Old 11-29-2008
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Quote:
Originally Posted by Ranger928 View Post
Im in Ontario. And theres lifted trucks everywhere. So there must be something. What was there policy on it? All im looking for is liability. So even if i got into an accident then the truck would not be covered anyway. Did they say your price would be raised, or just not cover the extra cost of the modified parts?

The Policy states, that if it is done by a qualified shop, and I can prove receipts of the work done, they will reimburse me. If it is installed improperly, and causes the accident, then they will go after the shop and investigate. Obviously if I installed, and it was installed improperly, I would be at fault for any collision. I just have to declare that i have it when I get it installed. This is so I get full value of it in case of a collision. As long as it is deemed safe by the Provincial Government, according to their laws, and it is installed by a qualified shop, I don't see how they can deny your claim. But from what I hear, the private insurance companies have you guys by the *****.

I would start calling other insurance companies, see what they say, get it in writing, and then show it to your insurance company. And see what they say.
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  #25  
Old 11-29-2008
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You guys that are paying that low insurance are lucky. Maybe its just Ontario that has really high rates. My last insurance company bumped me up to $3200 a year. So i switched to what i have now and i now pay $2400 and thats just for liability. With collision i would be paying over $4000. Which is not worth it because after 2 or 3 years i'll have payed over the value of my truck. So whats the point. I wish i could pay $500, i wouldnt be as broke. Im paying $200 a month right now.

And I talked to an insurance broker who was the aunt of a friend. So i should hopefully find out monday what she can do for me. Its rediculous what a hassle this is.
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