Correct Alan, its called a wheel lift..
Although these days 99% of the trucks are tilt trays, so you shouldn't have this problem..
As far as getting lowered imports with bodykits, well that's a different story!!!
In my opinion RACV membership is handy for when you get a flat tyre and can't be assed changing it, flat battery and also when you lock your keys in your car. If you own a car that is quite low and/or has an aftermarket bodykit, there may be issues. Have heard of too many ugly stories...