Kai Rivers
U-Haul offers various protection packages, such as Safemove, Safemove Plus, Safetow, and Safestor, which cover loss of use of the rental equipment and provide financial protection in case of accidents or damage. While U-Haul does not require proof of insurance to rent their equipment, purchasing additional coverage can provide peace of mind and protect against unexpected costs. It's important to note that personal auto policies and credit cards may not always cover rental trucks or trailers, so customers should carefully review their coverage options before renting a U-Haul vehicle.
| Characteristics | Values |
|---|---|
| Proof of insurance needed | No |
| Protection packages | Safemove®, Safemove Plus®, Safetow®, Safestor®, Safetrip® |
| Protection package features | Damage waiver, cargo coverage, medical-life coverage, liability coverage |
| Additional protection package features for Safemove Plus® | $0 deductible for overhead damage |
| Protection package cost | Flat rate for Safetrip® |
| Protection for | Loss of use of rental equipment, accidental damage, overhead damage, tire damage, loss or damage to cargo |
| Supplemental Liability Coverage (SLI) | First $1 million of losses covered |
| Damage caused by | Improper packing, normal shifting of cargo in transit, theft of cargo not covered |
| Personal auto policies | May exclude coverage for rental vehicles, especially cargo vehicles, trailers, and vehicles over a certain weight |
| Credit card coverage | May offer additional coverage after personal insurance payout |
| Auto insurance policy | May not cover U-Haul trucks and trailers |
| Age requirement | 16 years for trailers, 18 years for trucks |
| Driver's license requirement | Government-issued driver's license |
| Special driver's license requirement | No |
| Digital license accepted | No |
| Commercial driver's license requirement | Yes, for 26' truck |
| Payment methods | Cash, credit card, debit card |
Explore related products
What You'll Learn
U-Haul's insurance policy
U-Haul offers various insurance options for its rental vehicles, including trucks, trailers, towing devices, and storage units. Here is a detailed overview of U-Haul's insurance policy:
SafeMove® and SafeMove Plus®
SafeMove® and SafeMove Plus® are two of U-Haul's primary insurance options. SafeMove® covers moving trucks, pickup trucks, and cargo vans, while SafeMove Plus® is specifically for moving trucks. Both options include a damage waiver, cargo coverage, and medical-life coverage. However, only SafeMove Plus® includes liability coverage of up to one million dollars. Both options cover accidental damage, including overhead and tire damage. SafeMove Plus® offers a $0 deductible on overhead damage, while SafeMove® has a $250 deductible.
SafeTow®
SafeTow® is an insurance option that covers damage to U-Haul rental trailers, towing devices, and your cargo or vehicle while being transported with a U-Haul rental trailer. It provides a damage waiver and safeguards your cargo during transport.
SafeStor®
SafeStor® is a low-cost storage insurance option that covers loss or damage to your stored goods in U-Haul Self-Storage facilities. It includes flood coverage and protects against other major perils. SafeStor® is not available at all U-Haul dealerships.
SafeTrip®
SafeTrip® is supplemental roadside protection offered at a flat rate. It provides peace of mind for unexpected roadside hazards and assistance when needed.
Supplemental Liability Coverage (SLI)
Supplemental Liability Coverage (SLI) safeguards your personal insurance policy for the first one million dollars in losses. It offers $0 deductible on any accidental damage claims for the U-Haul truck, providing financial peace of mind.
Collision Damage Waiver (CDW)
The Collision Damage Waiver (CDW) covers accidental damage to the rental equipment and is included in both SafeMove® and SafeMove Plus® coverage. A stand-alone collision damage waiver is also available in many Canadian provinces.
Insurance Requirements and Recommendations
U-Haul does not require proof of insurance to rent their equipment. However, if you decline their optional SafeMove® coverage, you will be asked for proof of your own insurance coverage. Even if your personal auto insurance policy covers rentals, you must reimburse U-Haul for any damage upon returning the equipment and then deal with your insurance company separately. Many personal auto policies and credit card companies exclude coverage for rental vehicles, so it is essential to check with your provider before renting. U-Haul recommends purchasing their damage coverage options, such as SafeMove® or SafeMove Plus®, to ensure comprehensive protection during your rental period.
Rent Stabilization Ordinance: Los Angeles' Historical Turning Point
You may want to see also
Explore related products
Personal auto insurance
U-Haul does not require proof of insurance to rent its equipment. However, it is important to note that your personal auto insurance policy may not cover rental trucks or trailers. Many personal auto policies specifically exclude coverage for different types of rental vehicles, particularly cargo vehicles, trailers, and vehicles over a certain weight. Therefore, it is essential to carefully review your personal auto insurance policy and check with your insurance carrier to determine if your policy covers U-Haul trucks and trailers.
Even if your personal auto insurance policy does cover U-Haul rentals, there may be limitations or exclusions. For example, your policy may have a weight restriction on rental vehicles, and you may need to reimburse U-Haul for any damage and then claim this back from your insurance company. Additionally, your personal auto insurance may not cover specific types of damage, such as damage caused by improper packing, normal shifting of cargo, or theft of cargo.
U-Haul offers optional damage protection plans, such as Safemove®, Safemove Plus®, Safetow®, and Safestor®, which can provide financial protection in the event of accidental damage to the rental equipment. These plans typically include a damage waiver, cargo coverage, and medical-life coverage, and some packages include liability coverage. It is important to carefully review the details of these protection plans, as they are not liability insurance and are considered optional.
Supplemental Liability Coverage (SLI) is another option offered by U-Haul, which safeguards your personal insurance policy for the first million dollars of losses. This can provide additional peace of mind and protect you from financial responsibility in the event of an accident.
Ultimately, it is the customer's responsibility to ensure they have adequate coverage for their U-Haul rental. While U-Haul does not require proof of insurance, the company strongly recommends purchasing their damage protection plans or verifying that your personal auto insurance policy extends to their rental vehicles.
Single Mom's Guide to Affording Rent
You may want to see also
Explore related products
Credit card coverage
It is recommended that you carefully review the terms and conditions of your credit card agreement before relying on it for coverage. Additionally, even if your credit card provides coverage, you may still be required to reimburse U-Haul for any damage caused during your rental when you return the vehicle.
It is worth noting that some credit card companies offer additional coverage for rental vehicles, which can provide extra protection in case of an accident. This coverage typically acts as secondary insurance, meaning it kicks in after your primary insurance has paid out. However, it is important to understand the limitations and exclusions of this coverage, as it may not provide the same level of protection as a standalone rental insurance policy.
Applying for Section 8 in Indiana: A Guide
You may want to see also
Explore related products
SafeMove® and SafeMove Plus®
SafeMove® offers four types of coverage:
- Medical/Life Coverage: Covers the driver and passengers of the U-Haul rental truck for up to $1,000 of medical bills in the case of an accident. It also provides life coverage valued at up to $25,000 for the driver and $15,000 for passengers.
- Cargo Coverage: Protects your cargo from collision, fire, windstorm, and overturn of the rental truck. It provides $25,000 worth of coverage on a one-way rental and $15,000 on an in-town rental.
- Damage Waiver: Covers most accidental damage to the rental truck, including dents, paint chips, tire damage, and overhead damage. However, there is a $250 deductible for overhead damage caused by a collision with an overhead object.
- Loss of Use: Covers the loss of use of the rental equipment, ensuring you won't be charged for the time the equipment is being repaired.
SafeMove Plus® includes all the benefits of SafeMove® with the addition of liability coverage. It provides $1,000,000 in liability coverage for property damage, bodily injury, or lawsuits brought forward by third parties not involved with the rental. SafeMove Plus® also has a $0 deductible for overhead damage.
It's important to note that SafeMove® and SafeMove Plus® have certain exclusions. They do not cover damage caused by misuse, abuse, or off-road use of the equipment. Additionally, they do not cover theft of your owned motor vehicle, accessories, or personal contents in the towed trailer or rented truck.
While SafeMove® and SafeMove Plus® provide comprehensive protection, it is recommended to review your personal insurance policies and consult with your insurance agent to determine if your existing coverage extends to rental trucks and trailers.
GI Bill: Rent and Income
You may want to see also
Explore related products
SafeTow® and SafeStor®
U-Haul offers optional protection packages for its rental equipment, including SafeTow® and SafeStor®. These packages are not liability insurance and do not replace your auto insurance policy. However, they can provide additional coverage and peace of mind in the event of accidents or damage to the rental equipment.
SafeTow® is a protection package offered by U-Haul that covers damage to the rental trailer, towing device, and your cargo or vehicle while being transported with a U-Haul rental trailer or towing device. It provides a damage waiver, which means that U-Haul will not hold you financially responsible for accidental damage to the rental equipment. This can include overhead and tire damage caused by collisions, as well as damage caused by rocks or other road hazards. SafeTow® also covers loss of use of the rental equipment, so you won't have to pay for the days the equipment is being repaired.
SafeStor®, on the other hand, is a low-cost storage insurance option offered by U-Haul. It covers loss or damage to your stored goods while they are kept at a U-Haul Self-Storage facility. This insurance is designed to protect your belongings from unforeseen events, such as natural disasters, weather, or other uncontrollable circumstances. Flood coverage is also included in new Safestor® policies, and existing customers can add it to their policy by contacting customer service. It's important to note that SafeStor® does not cover valuable items such as jewellery, money, art, or motorized vehicles.
Both SafeTow® and SafeStor® can be added or managed using the U-Haul App, which allows you to adjust your coverage levels for upcoming rentals or storage reservations. While these protection packages are optional, they can provide valuable financial protection in the event of unexpected accidents or damage. U-Haul also offers other packages, such as SafeMove® and SafeTrip®, which can cover damage to rental trucks and provide assistance for roadside hazards, respectively.
It is always a good idea to review the specific terms and conditions of any protection package before purchasing it, as there may be exclusions or limitations to the coverage provided. Additionally, it is recommended to check with your auto insurance carrier to understand the extent of your coverage while renting a U-Haul vehicle, as some policies may have weight restrictions or other limitations.
Inside Out 2: When Can We Rent It?
You may want to see also
Frequently asked questions
No proof of insurance is needed to rent a U-Haul. However, you will be responsible for any damage to the rented equipment. U-Haul offers protection packages such as Safemove®, Safemove Plus®, Safetow®, and Safestor® that cover loss of use of the rental equipment.
Safemove® covers damage to U-Haul rental vehicles, including overhead and tire damage. It also covers loss or damage to cargo resulting from a collision, fire, windstorm, or overturn of the rental truck.
You can reserve a U-Haul online using a credit card. However, you can pay for your rental with cash when you return the truck.
