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Thread: Lift kits and insurance

  1. #1

    Lift kits and insurance

    I have a bog standard STX navara bought in December 07. It really could do with an extra couple of inches lift. I am insured with RACQ, what will they say if I add a lift kit?

    Also, how much does such a mod cost?


  2. #2

    Re: Lift kits and insurance

    You've gotta ring them and ask. I'm with another major Australian insurer and asked them the same question when I was in the market for my current 80 series. They don't charge extra for lifts up to 2 inches.

    matt

  3. #3

    Re: Lift kits and insurance

    give your insurance co a call and document the conversation somewhere

  4. #4

    Re: Lift kits and insurance

    As above, see what they say and have it noted on the policy.

    I insured my Mags, tyres, UHF, bullbar, winch, alloy tray etc, with specific brand names.... they were all noted and the add ons didn't cost that much extra.

    Pays to be careful and specific with insurance.

    Phill
    Kingfisher Painting Solutions:- Domestic and Commercial.

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  5. #5

    Re: Lift kits and insurance

    First thing to do is to find out what you can legally do.

  6. #6

    Re: Lift kits and insurance

    Thanks guys. RACQ says it has to be raised evenly and legally, but they need to know the height. I told them that the kits I looked at today were 45-50mm and they guy put them into the computer and said thats fine. So question now is whats legal?


  7. #7

    Re: Lift kits and insurance

    You will find that 2" is the maximum aloud lift. There is no mod plate that you can get for it but you are "required" to go to Qld transport and ask for the forms for an "application for vehicle modification". When you fill it out it will ask why you want/need it. Don't tell them it is for 4wding through the bush. State some thing like you tow a boat to the beach and need the clearance so you don't get bogged getting on and off. You then have to keep it in the car with you.

    That is what is required legally but next to no one ever does it.

  8. #8

    Re: Lift kits and insurance

    Jack attack, I may be wrong but I interpreted the law to being a 2" lift is allowed without mod plates/decleration. Lift kits larger than 2" are still legal however suspension and braking may need upgrading along with an engineers certificate. So from what i understand if you are just going to do a 2" "body" lift that will be fine. I have 2" lift under my little Brumby whilst i believe that is legal the 27" tyres I have under it are not

    Cheers

    Chris
    Democracy: Simply a system that allows the 51% to steal from the other 49%.

  9. #9

    Re: Lift kits and insurance

    50mm lift is the max allowable in QLD without a mod plate done. Getting a mod plate for more than 50mm is very difficult as well.

    Body lifts are not legal in QLD.

    Well they were not when I did mine about 3 years ago.

  10. #10

    Re: Lift kits and insurance

    jack attack is right, but he did forget to say a Transport Inspector need to look at it to ensure the job is done as on the application.

    NO you cant go any higher. There is no mod code for any body lift kit so how can you get a mod plate for one higher than 50mm?

    So in Queensland you cant go higher than 50mm regardless on what else you do to your rig.

    These are the only ways to go higher.
    1. 15mm of your tyres diameter.
    2. 1/3 of the original suspension height (measured from the axle/control arm to the bump stop.
    3. body lift of 50mm. which as stated before need to be approved and inspected by Queensland transport.

    If you put a body lift in that has not gone through the right channels its deemed as defective by law. So you tell me if your insurer would still ensure a defective vehicle.

    neil

    neil

  11. #11

    Re: Lift kits and insurance

    Accordding to Queensland Transport Website, Minor modifications can be carried out without obtaining written approvals. Lowering and raising is listed under minor modifications, however they dont specify how much you can raise it (or I cant find it). What they do say is that the use of extended shackles on leaf springs is not permitted, so that means the cheapie kit is out and the $1200+ kits are in.


  12. #12

    Re: Lift kits and insurance

    Andy I have the same car, I got mine in sept 07 also.... I am also looking to do some light mods to it in the way off body lift, suspension lift and tyres...

    I just called QLD transport and spoke to the manager off car specification and modifications... This is the what he said..

    Body lift..
    2" body lift is max. You need written permission from Brisbane QLD Transport before they are fitted... Then it needs to inspected at any QLD Transport department..... You can only use an approved body lift kit...

    Suspension...
    You can raise your suspension by 1/3 off the original suspension. Measured from the bump stop to the center off your wheel...
    Navara D40 can only have a max off 45mm lift before your run into CV problems anyway. So with a 2" suspension lift, your well inside the 1/3 limit...

    Tyres....
    Right now you can only increase the Diameter off your tyre by 15mm... But as from the 1st July 09 the ruling changes, And you'll be able to legaly increase your tyre diameter to 50mm.... On the D40 that means you can get 33" tyres fitted after July 1st

    You can do all 3 mods which will give you a lift off 5",,,, and none off them will require you to have a mod plate,,, and you'll be on the right side off law so your insurance co will be happy....

  13. #13

    Re: Lift kits and insurance

    Thanks Jabba, I have no idea what the difference betweena body lift and suspension lift is anyway. Will be taking it to my sisters boyfriends shop (offtrack 4x4) so will them sort out the finer details.

    On another note, if I do lift if 45mm, will that cause any greif with the CV's?


  14. #14

    Re: Lift kits and insurance

    Body lift is where you place spacers in between the chassis and body isn't it as opposed to suspension where you actually extend the suspension travel or at least place spacers between suspension an chassis

  15. #15

    Re: Lift kits and insurance

    Quote Originally Posted by TheRealAndy View Post
    Thanks Jabba, I have no idea what the difference betweena body lift and suspension lift is anyway. Will be taking it to my sisters boyfriends shop (offtrack 4x4) so will them sort out the finer details.

    On another note, if I do lift if 45mm, will that cause any greif with the CV's?
    Apparently not.. CV's only become an issue when you lift the suspension over 50mm...

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