Jane Dotson
U-Haul insurance is a type of commercial auto insurance that covers rental moving trucks, trailers, and other equipment for physical damage and liability. U-Haul offers its own rental insurance, which can be a reliable option, especially if your auto insurance doesn't cover the length of the truck you need. However, U-Haul insurance is not mandatory, and you may choose to rely on your personal insurance or credit card rental car insurance. It's important to carefully review the terms and conditions of your coverage before renting a U-Haul vehicle to ensure you're adequately protected in the event of any damage or liability claims.
| Characteristics | Values |
|---|---|
| Does U-Haul check insurance? | U-Haul does not check insurance. However, if you decline their optional Safemove® coverage, you will be asked for proof of coverage. |
| Do I need insurance to rent a U-Haul? | No, you don't need insurance to rent a U-Haul. However, if you don't have insurance, you will be financially responsible for any kind of damages. |
| Does my auto insurance cover U-Haul? | It depends on your policy. You should check with your insurance provider to see if your insurance will cover a rental truck and what size trucks it covers. |
| Does U-Haul offer insurance? | Yes, U-Haul offers its own rental insurance. |
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What You'll Learn
U-Haul insurance requirements
U-Haul offers several protection packages for its customers, including Safemove, Safemove Plus, Safetrip, Safetow, and Safestor. These packages are optional and are not liability insurance. While U-Haul does not require proof of insurance to rent its equipment, customers are financially responsible for any damage to the rented equipment, regardless of fault.
If you decline the optional Safemove coverage, you will be asked for proof of insurance. If you cannot provide proof of insurance, you will be required to reimburse U-Haul for any damage caused during your rental. It is important to note that U-Haul will not bill you for the damage; you are immediately financially responsible upon returning the rental equipment.
Safemove coverage is available for moving trucks, pickup trucks, and cargo vans. It includes a damage waiver, cargo coverage, and medical-life coverage, but it does not include liability coverage. Safemove Plus, on the other hand, offers additional liability coverage of up to $1 million and covers moving trucks only. Both Safemove and Safemove Plus include a collision damage waiver (CDW) that covers accidental damage to the equipment.
It is recommended that customers check with their insurance carrier before renting a U-Haul vehicle to understand their coverage. Personal auto policies often exclude coverage for rental vehicles, and credit cards typically do not cover U-Haul trucks and trailers due to weight and size restrictions. Supplemental Liability Coverage (SLI) is available to safeguard your personal insurance policy for the first $1 million in losses.
U-Haul's protection packages cover loss of use of the rental equipment, and customers are encouraged to review the specific terms and conditions of each package before making a decision.
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U-Haul insurance coverage
U-Haul offers several insurance coverage options for its customers, including Safemove®, Safemove Plus®, Safetow®, Safestor®, and Safetrip®. These protection packages are optional and are not liability insurance. Here is a breakdown of each coverage option:
Safemove®
Safemove® is a damage protection plan offered by U-Haul for moving trucks, pickup trucks, and cargo vans. It includes a damage waiver, cargo coverage, and medical-life coverage. It does not include liability coverage. Safemove® covers accidental damage to the rental equipment, including overhead and tire damage. It also provides coverage for loss or damage to cargo resulting from a collision, fire, windstorm, or overturn of the rental truck. Additionally, it covers authorised drivers and passengers in the cab of the rental truck.
Safemove Plus®
Safemove Plus® is an enhanced coverage option available only for moving trucks. It includes all the benefits of Safemove®, plus an additional $1 million in liability coverage. This means that in the event of a bodily injury or property damage claim during your rental, you will be covered. Safemove Plus® also has a $0 deductible for accidental damage claims, providing peace of mind and avoiding extra out-of-pocket costs.
Safetow®
Safetow® is a coverage option for customers renting a trailer or towing device. It includes a damage waiver and covers damage to your cargo or vehicle while being transported with a U-Haul rental trailer or towing device. It also provides medical and life protection in the event of an accident.
Safestor®
Safestor® is a low-cost storage insurance option offered by U-Haul for customers storing their goods in a U-Haul Self-Storage facility. It covers loss or damage to stored goods from major perils, including floods.
Safetrip®
Safetrip® is supplemental roadside protection for your U-Haul rental equipment. It provides coverage for unexpected roadside hazards and is available for a flat rate.
It is important to note that U-Haul recommends customers check with their insurance carriers before renting to understand their coverage and deductibles. While U-Haul does not require proof of insurance to rent their equipment, customers declining the optional Safemove® coverage will be asked for proof of their own insurance coverage.
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U-Haul insurance cost
U-Haul offers two different levels of SafeMove coverage: SafeMove and SafeMove Plus. SafeMove covers damage and theft of the truck, damage to your belongings, and medical/life protection for you and your family. It costs $15. SafeMove Plus includes additional liability coverage and costs $28.
SafeMove covers accidental damage to the rental equipment, 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. SafeMove Plus covers the same but has a $0 deductible.
Supplemental Liability Coverage (SLI) safeguards your personal insurance policy for the first one million dollars of losses. There is no extra out-of-pocket cost.
SafeTow covers damage to the rental trailer or towing device, as well as damage to your cargo or vehicle while being transported with a U-Haul rental trailer. It also provides medical and life protection in the event of an accident.
SafeStor is low-cost storage insurance that covers loss or damage to your stored goods from major perils, including floods.
SafeTrip is supplemental roadside protection for your U-Haul rental equipment. It is available for a flat rate.
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U-Haul insurance alternatives
U-Haul offers several insurance alternatives to its customers. The company encourages customers to buy company-provided coverage that absolve them of financial responsibility for the vehicle if it is damaged.
The first option is Safemove, which is available for moving trucks, pickup trucks, and cargo vans. It includes a damage waiver, cargo coverage, and medical-life coverage. The second option is Safemove Plus, which is only available for moving trucks. It includes a damage waiver, cargo coverage, medical-life coverage, and one million dollars in liability coverage. This option also has a $0 deductible for overhead and tire damage.
Both Safemove and Safemove Plus can be purchased through the U-Haul App, which allows customers to add or manage their coverage levels for upcoming truck, trailer, towing, and U-Box reservations.
In addition to Safemove and Safemove Plus, U-Haul offers Safestor, which is low-cost storage insurance that covers loss or damage to stored goods. It is important to note that Safestor does not cover valuable items such as money, jewelry, antiques, art, or other similar items.
Customers can also purchase Supplemental Liability Coverage (SLI), which safeguards their personal insurance policy for the first one million dollars of losses. This option provides peace of mind as there are no extra out-of-pocket costs in the event of accidental damage.
Finally, U-Haul offers Safehaul shipping coverage to protect items in transit. This option includes burglary coverage, but only when there is evidence of forced entry and a police report has been filed.
It is worth noting that U-Haul's protection packages are not considered insurance and do not include liability coverage. Customers are advised to check with their insurance providers to understand the extent of their coverage before renting a U-Haul vehicle.
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U-Haul insurance claims
U-Haul offers several options for insurance coverage for its rental vehicles and storage facilities. It is important to note that U-Haul insurance is optional and not a requirement for renting their trucks or trailers. However, it is recommended that you understand your own insurance coverage before renting a U-Haul vehicle, as personal auto policies may not cover rental trucks or trailers.
SafeMove Damage Protection:
Safemove is an optional protection plan that provides cargo protection, medical and accidental death insurance while renting a U-Haul truck. It frees you from responsibility for damage to the rental truck, but it does not include liability coverage. Safemove covers moving trucks, pickup trucks, and cargo vans. It has three components: a damage waiver, cargo coverage, and medical-life coverage.
SafeMove Plus Damage Protection:
Safemove Plus is an additional liability coverage option that provides protection in the event of a bodily injury or property damage claim during your rental. It includes all the benefits of Safemove, plus additional liability insurance above the U-Haul Rental Contract. It covers moving trucks only and has four components: a damage waiver, cargo coverage, medical-life coverage, and one million dollars in liability coverage.
SafeTow:
Safetow is an affordable protection package for those who will be towing a trailer or vehicle. It includes cargo protection, medical and accidental death insurance, and a damage waiver that covers damage to the rented trailer, auto transport, tow dolly, or tow bar.
SafeStor:
Safestor is a low-cost storage insurance option that covers loss or damage to your stored goods from major perils, including floods. It is designed for customers who store their belongings at a U-Haul Self-Storage facility.
Supplemental Liability Insurance (SLI):
SLI safeguards your personal insurance policy for the first one million dollars of losses. It is accepted as primary coverage over your own policies.
SafeTrip:
Safetrip is supplemental roadside protection for your U-Haul rental equipment. It can be added at the counter when you pick up your vehicle or online before your rental.
In the event of an accident or incident involving a U-Haul rental, you can file a claim by contacting U-Haul's damage coverage specialists or by calling their customer service lines for the United States or Canada. It is important to review your rental contract and understand the exclusions and limitations of your chosen protection plan.
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Frequently asked questions
No, you don't need insurance to rent a U-Haul. However, if you don't have insurance, you will be financially responsible for any damage to the rental.
You should check with your insurance provider. Many auto insurance policies do not cover rental trucks or trailers.
U-Haul insurance covers the rental moving truck, trailer, and other equipment for up to $25,000 in physical damage and $15,000 in liability. It also covers up to $1,000 in cargo for the duration of the rental period.
U-Haul offers Safemove, Safemove Plus, Safetrip, Safetow, and Safestor insurance options. You can also purchase insurance from a third party.
