Zoe Alvarez
If you're planning to rent a U-Haul trailer, it's important to consider the insurance implications. While U-Haul offers various protection packages such as Safemove, Safemove Plus, and Safetow, you may want to know if your personal auto insurance policy will suffice. The answer depends on several factors, including the type of vehicle you're renting and the specifics of your insurance policy. In this paragraph, we'll explore the insurance requirements and options available when renting a U-Haul trailer, providing you with the information you need to make informed decisions before hitting the road.
| Characteristics | Values |
|---|---|
| Do you need insurance to rent a U-Haul trailer? | U-Haul offers various protection packages such as SafeMove, SafeMove Plus, SafeTow, and SafeTrip. These packages are optional and are not liability insurance. However, they cover loss of use of the rental equipment and damage to the U-Haul rental trailer or towing device. |
| Minimum age requirement | Customers must be 16 years of age to rent trailers and 18 years of age to rent trucks. |
| Driver's license requirement | A government-issued driver's license is required to rent U-Haul trucks and trailers. A commercial driver's license is not necessary as U-Haul trucks are not considered commercial vehicles. |
| Payment methods | U-Haul accepts reservations made using American Express, Discover, Mastercard, or Visa. Payment for rentals can be made using cash, credit cards, or debit cards with a major credit card logo. |
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What You'll Learn
- SafeMove, SafeMove Plus, CDW, and SafeTow cover theft of rented equipment
- SafeMove Plus provides liability coverage for bodily injury or property damage claims
- SafeMove and SafeMove Plus are not required to rent a U-Haul trailer
- Supplemental Liability Coverage (SLI) safeguards your personal insurance policy for the first $1 million of losses
- SafeTrip provides supplemental roadside protection for rented U-Haul equipment
SafeMove, SafeMove Plus, CDW, and SafeTow cover theft of rented equipment
When renting a U-Haul trailer, you are not required to purchase the company's insurance coverage. However, it is important to note that your personal auto insurance policy may not cover rental trucks or trailers. Therefore, you should carefully review your insurance policy or consult with your insurance provider to determine if you have the necessary coverage.
SafeMove, SafeMove Plus, CDW (Collision Damage Waiver), and SafeTow are optional protection plans offered by U-Haul that can provide additional coverage for rented equipment. These plans can offer peace of mind and protect you financially in the event of accidental damage or theft of your rented U-Haul equipment.
SafeMove, SafeMove Plus, CDW, and SafeTow will cover the theft of rented U-Haul equipment as long as neglect did not contribute to its disappearance. However, it is important to note that these plans do not cover the theft of owned motor vehicles, accessories, or personal contents in the towed trailer or rented truck.
SafeMove offers coverage for moving trucks, pickup trucks, and cargo vans, including a damage waiver, cargo coverage, and medical-life coverage. SafeMove Plus provides additional liability coverage for bodily injury or property damage claims made against you during the rental period. It also includes cargo protection and medical-life protection, providing comprehensive coverage for your rental.
SafeTow is specifically designed to protect your personal car while being towed on a U-Haul towing device or your personal property in a trailer. It covers damage to your cargo or vehicle while being transported with a U-Haul rental trailer.
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SafeMove Plus provides liability coverage for bodily injury or property damage claims
U-Haul offers various protection plans for its rental trucks and trailers. While purchasing these protection plans is not mandatory, it is recommended that you check with your insurance provider to see if your current plan covers rental trucks and trailers. Many personal auto policies do not cover rental trucks and trailers, and credit card coverage usually applies only to cars and other passenger vehicles.
SafeMove Plus® is one of the protection plans offered by U-Haul, providing additional liability coverage for bodily injury or property damage claims. This means that if someone is injured or their property is damaged during the course of your U-Haul rental, SafeMove Plus® can help cover the associated costs. It also includes a damage waiver, cargo protection, and medical life protection, providing "all-around" coverage for you and authorised drivers while driving your U-Haul rental truck within the United States and Canada.
SafeMove Plus® covers damage to others and their property, providing up to $1,000,000 for property damage, bodily injury, or lawsuits brought forward by third parties not involved with the rental. This additional liability coverage can provide peace of mind and protect you from financial responsibility for the vehicle in the event of an accident.
It's important to note that SafeMove Plus® does not cover mechanical damage, damage caused by improper packing, normal shifting of cargo in transit, or theft of your owned motor vehicle, accessories, or personal contents in the towed trailer or rented truck. Additionally, SafeMove Plus® is only for moving trucks and does not cover other types of vehicles.
Before purchasing SafeMove Plus®, be sure to review the terms and conditions, exclusions, and coverage limits to ensure it meets your specific needs and provides the protection you require during your U-Haul rental period.
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SafeMove and SafeMove Plus are not required to rent a U-Haul trailer
SafeMove and SafeMove Plus are optional protection packages offered by U-Haul that provide additional coverage for rented equipment. SafeMove covers moving trucks, pickup trucks, and cargo vans, while SafeMove Plus is specifically for moving trucks. Both packages include a damage waiver, cargo coverage, and medical-life coverage. SafeMove Plus also includes one million dollars in liability coverage. These packages can provide peace of mind and protect you from unexpected costs in the event of an accident or damage to the rental equipment.
It is worth mentioning that many personal auto insurance policies do not cover rental trucks or trailers due to weight restrictions or exclusions on cargo vehicles. Therefore, it is essential to check with your insurance carrier before renting a U-Haul trailer to understand your coverage. Some insurance policies may provide partial coverage, while others may not cover rental trucks or trailers at all. By understanding your insurance coverage beforehand, you can make an informed decision about whether to purchase additional protection packages like SafeMove or SafeMove Plus.
In addition to SafeMove and SafeMove Plus, U-Haul also offers other optional protection packages, such as Safetow and SafeTrip. These packages provide different levels of coverage and can be added to your rental contract. SafeTrip, for example, offers supplemental roadside protection for a flat rate. It is important to carefully review the details of each protection package to determine which one best suits your needs.
While SafeMove and SafeMove Plus are not mandatory, they can provide valuable protection and peace of mind during your rental experience with U-Haul. By understanding your insurance coverage and the options available, you can make an informed decision about the level of protection you need when renting a U-Haul trailer. Remember to carefully review the terms and conditions of any protection package you consider to ensure you have a comprehensive understanding of the coverage provided.
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Supplemental Liability Coverage (SLI) safeguards your personal insurance policy for the first $1 million of losses
U-Haul offers Supplemental Liability Coverage (SLI) to safeguard your personal insurance policy for the first $1 million of losses. This means that SLI acts as a buffer, protecting your personal insurance from claims up to $1 million. This coverage is optional and can be purchased in addition to U-Haul's other protection packages, such as Safemove, Safemove Plus, Safetow, and Safestor.
SLI provides excess coverage over and above your personal insurance policy. It is important to note that SLI does not replace your personal insurance but rather supplements it. In the event of a claim, SLI will respond first, covering the initial $1 million in losses. This means that your personal insurance policy will remain untouched up to this amount, providing you with additional peace of mind and financial protection.
When renting a U-Haul trailer, it is important to consider the potential risks and liabilities involved. Accidents, damage to the trailer or its contents, and third-party claims can result in significant financial costs. While your personal insurance policy may provide some coverage, it is important to carefully review the terms and conditions to understand any exclusions or limitations. Many personal auto policies, for example, specifically exclude cargo vehicles, trailers, and vehicles over a certain weight.
By purchasing SLI, you can benefit from additional liability coverage for bodily injury, property damage, and third-party claims. This can help protect you from financial responsibility in the event of an accident or incident during your U-Haul rental. SLI coverage is available for both trucks and trailers, providing flexibility and peace of mind for a range of moving needs.
It is worth noting that SLI does have certain exclusions, which vary by state and provider. These exclusions typically include prohibited use of the vehicle, bodily injury or property damage to any insured or related individuals, and certain types of supplemental or optional coverages. It is important to carefully review the rental agreement, policy documents, and any applicable state laws to fully understand the extent of coverage provided by SLI.
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SafeTrip provides supplemental roadside protection for rented U-Haul equipment
U-Haul encourages customers to buy company-provided coverage to absolve themselves of financial responsibility for the vehicle if it is damaged. However, this is not a legal requirement, and you can choose to rely on your own insurance policy.
SafeTrip covers a range of roadside assistance events that are due to your negligence. For example, if you lock your keys inside the truck, U-Haul will arrange for a replacement key or dispatch a service provider to open the door, free of charge. If you run out of fuel, U-Haul will dispatch a service provider with up to three gallons of fuel. If your U-Haul truck or trailer gets stuck on land, and it is not in an off-road or wilderness location, and not beyond 100 feet from pavement, U-Haul will dispatch a service provider to winch you out, again free of charge.
SafeTrip does not cover reconnecting a trailer to a tow vehicle not listed on the contract. It also does not cover damage to the vehicle or your belongings.
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Frequently asked questions
U-Haul does not require you to have insurance to rent a trailer, but you are financially responsible for any damage to the trailer during the rental period. You can purchase additional coverage from U-Haul, such as Safemove, Safemove Plus, CDW, or Safetow, which cover theft and accidental damage.
Safemove provides damage waiver, cargo coverage, and medical-life coverage for moving trucks, pickup trucks, and cargo vans. Safemove Plus offers the same coverage as Safemove, plus an additional $1 million in liability coverage for moving trucks only. CDW, or Collision Damage Waiver, covers accidental damage to the equipment and is included in Safemove and Safemove Plus. Safetow covers damage to the U-Haul rental trailer or towing device and your cargo or vehicle while being transported.
Many personal auto insurance policies do not cover rental trucks or trailers, especially if they are cargo vehicles, trailers, or vehicles over a certain weight. You should check with your insurance carrier before renting a U-Haul trailer to understand your coverage.
