Specialty coverage for lifted & modified vehicles.
Standard auto insurance is built around the vehicle your carrier knows about. Once you add a lift kit, oversized tires, custom wheels, bumpers, lighting, a winch or other aftermarket equipment, your vehicle may need a different insurance approach. Truck Shield helps owners of lifted and modified vehicles find coverage options that account for the build – not just the vehicle that rolled off the factory floor.
Get My Rig Covered | Call (757) 819-6896
Most policies weren’t built for what you built.
Comprehensive and collision coverage is generally designed to repair or replace a vehicle based on its covered pre-loss condition. That is where modified vehicles can get complicated. If your insurance company does not know about your lift, wheels, tires, bumper, winch or other aftermarket equipment, do not assume the money you invested in those upgrades is automatically protected. Depending on the carrier and policy, aftermarket equipment may require additional coverage, an endorsement or a specialty policy. The time to find that out is before a claim — not after one.
Your truck changed. Did your insurance change with it?
If you’ve modified your truck since you bought your policy, it’s worth having the coverage reviewed.
What tier is your truck?
The higher you go, the more your carrier needs to know.
Lift height is one of the first things an insurance company may look at when evaluating a modified truck. Truck Shield uses three simple tiers to help organize the conversation. Your final insurance options will still depend on the full build, vehicle use and individual carrier guidelines.
Tier 1 — Stock to 4″ — Stock, Leveled & Moderately Lifted
Stock-height trucks, leveling kits and lifts up to 4 inches. Tell us about your suspension, wheels, tires and other aftermarket equipment so we can determine what needs to be disclosed and what coverage options may be available.
Tier 2 — Over 4″ through 6″ — Significantly Modified
Once you move beyond a moderate lift, carrier appetite can become more limited. We look at the entire build — including lift height, tire size, aftermarket equipment and vehicle use — to identify available insurance options.
Tier 3 — Over 6″ — Highly Modified / Specialty
Big lifts and heavily modified builds require a more specialized approach. We review the truck, modifications, amount invested and available carrier options to determine how the vehicle may be insured and valued.
Lift height is only the start. Wheels, tire size, suspension components, performance modifications, aftermarket equipment, vehicle use, and the total amount invested in your build can all affect eligibility and coverage.
If you changed the truck, tell us about it.
Even modifications that seem routine to a truck owner can matter to an insurance company. Tell us what you’ve done to the vehicle and we’ll help determine what needs to be disclosed and what coverage options may be available.
Suspension & Lift Kits
Leveling kits, suspension lifts, body lifts and other ride-height modifications.
Wheels & Tires
Oversized tires, aftermarket wheels and upgraded wheel/tire packages.
Bumpers & Winches
Aftermarket bumpers, grille guards, winches and recovery equipment.
Lighting
LED light bars, auxiliary lighting and other aftermarket electrical equipment.
Performance Modifications
Exhaust, re-gearing and other performance-related modifications.
Other Custom Equipment
Tell us what you’ve added. If you’ve spent money changing the truck, we want to know about it.
Three things matter when insuring a modified truck.
1. Disclosure
Tell the carrier what you built. Start with an accurate description of the truck and its modifications. We help identify the information an insurer may need.
2. Aftermarket Equipment
Make sure the parts matter too. Depending on the insurer, additional coverage or a Custom Parts & Equipment (CPE) endorsement may be available for eligible aftermarket equipment such as lift kits, wheels, bumpers and lighting. Coverage, limits and eligibility vary by carrier.
3. Valuation
Know how the truck will be valued. Not every policy values a modified vehicle the same way. We help you understand how a carrier may value your truck and whether specialty valuation options are available for your build.
You shouldn’t have to explain a lift kit to your insurance agent.
Modified trucks do not fit neatly into every insurance company’s underwriting box. That is why working with an independent agency matters. Insurance Strategies – The Cooksey Agency can look beyond a single insurance company and help identify coverage options for lifted and modified trucks. We understand the questions that matter: what has been modified, how high it is lifted, what you have invested in aftermarket equipment, how you use the truck and how the carrier may treat those modifications if there is a claim.
You build the truck. We’ll help build the policy around it.
What truck owners say about working with us.
“I recently had my truck lifted and modified, and Brett and Gary made the insurance side of the process incredibly easy. Their 4×4 Program made sure my truck and all of the modifications were properly covered. If you have a lifted or modified truck, I definitely recommend giving them a call.”
— Joshua
You put too much into your truck to guess about the insurance.
Let us take a look at your build and help you determine what coverage options are available.
Get My Rig Covered | Call (757) 819-6896
Truck Shield
A specialty program from Insurance Strategies – The Cooksey Agency
Contact
477 Viking Drive, Suite 300 · Virginia Beach, VA 23452 | (757) 819-6896 |
4x4 FAQ
How do I ensure my lifted truck's modifications are fully covered by insurance?
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To fully cover your lifted truck’s modifications, you must add a Custom Parts and Equipment (CPE) endorsement or secure an Agreed Value policy rather than a standard Actual Cash Value (ACV) policy. Standard auto insurance policies typically limit payouts for aftermarket parts to $1,000 or exclude them entirely unless they are explicitly scheduled on your policy.
What specific lifted truck modifications need to be reported to my insurance agent?
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You must report any aftermarket changes that alter the vehicle’s height, performance, or value, including:
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Suspension lift kits, body lifts, and leveling kits.
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Oversized off-road tires and custom wheels.
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Upgraded bumpers, winches, grille guards, and aftermarket LED lighting.
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Performance modifications like custom exhaust systems, superchargers, or re-gearing.
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Will a lift kit void my auto insurance policy in Virginia?
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A lift kit will not automatically void your auto insurance policy, but failing to disclose it can result in a denied claim or policy cancellation. Insurance companies assess risk based on factory specifications; a lifted suspension changes the vehicle’s center of gravity and handling, which must be approved by your underwriter.
What is the difference between Actual Cash Value and Agreed Value for a custom 4x4?
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Actual Cash Value (ACV) pays out the market value of a factory-model truck minus depreciation, ignoring your modifications. Agreed Value is a specialized coverage where you and the insurer agree on a set payout amount based on a professional appraisal of the truck and all its custom modifications combined.
Truck Owners FAQS
Does a lift kit void my insurance?
Not automatically. However, modifications can affect carrier eligibility, underwriting and how damage to modified equipment is covered. The safest approach is to disclose the lift and other modifications to your insurance agent and make sure the insurer has accepted the risk.
Do lifted trucks cost more to insure?
They can. Cost depends on the truck, driver, location, modifications, value of aftermarket equipment, coverage selected and the insurance company. A modified truck may also have fewer carrier options than a stock vehicle.
Who will insure a modified or lifted truck?
Carrier appetite varies significantly. Some insurers have restrictions on suspension modifications or other aftermarket equipment, while others may consider modified trucks subject to their underwriting guidelines. As an independent agency, we can help identify available options based on your specific build.
What's the difference between Actual Cash Value and Agreed Value?
Actual Cash Value generally takes factors such as the vehicle’s market value and depreciation into account at the time of a covered loss. Agreed Value is a different valuation approach in which the insurer and insured establish a value according to the terms of the policy. Not every truck or carrier qualifies for Agreed Value coverage.
Do I need to report every modification?
Tell us about anything that materially changes the truck’s value, height, performance or equipment. That includes lift or leveling kits, oversized tires and wheels, bumpers, winches, lighting and performance modifications. When in doubt, disclose it.
Can you insure a truck with a 6-inch or larger lift?
Potentially. Eligibility depends on the truck, modification, carrier and other underwriting factors. Larger lifts can reduce the number of insurers willing to consider the vehicle, which is one reason working with an agency familiar with modified trucks can help.
What information do I need for a quote?
Have your truck’s year, make and model ready, along with a list of modifications. Receipts, photos or documentation showing the equipment and amount invested may also be helpful depending on the coverage and carrier.
Let’s Get Started
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Tell us about your rig. We’ll tell you what we need to quote it.
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