What kind of dump is it? Is it a gravel bucket or is it a field truck? If it is a field truck, call it a restored farm truck and take some good pictures of it that just happen to not show the hoist. I have a 53 GMC insured with JC Taylor that has a hoist. They never asked if it had a hoist and I didn't volunteer any information. If its a gravel bucket, the only way that I know to insure it is commercial insurance which costs at least $1500 a year.