A skid plate for a vehicle includes a first layer, including a first material and a second layer, including a second material, which may be different from the first material. The second layer may be attached or bonded to the first layer and may convert a concentrated load into a distributed load. The second layer may provide thermal insulation for at least one underbody component of the vehicle. For example, the first layer may be metallic, while the second layer may be a rigid foam. The rigid foam may include an expanding adhesive foam. An adhesive may be disposed between the first layer and the second layer, to attach or bond the first layer to the second layer. The second layer may be adjacent to at least one underbody component of the vehicle. The concentrated load may correspond with a contact to the first layer of the skid plate.