When it is time to move, there are myriad things to think about. However, one decision that people often overlook is determining the type of moving truck insurance that they need. From protecting your cargo to limiting the risk of a serious vehicle repair bill, it is crucial that you have the right insurance coverage. You might think that you can simply load your things and drive away, but a moving truck provides a very different driving experience from your car or a large SUV. From the dimensions of the truck to the way the vehicle brakes, handling and vehicle visibility pose an increased level of complexity.
Insurance of moving trucks varies with the size and weight of the truck. So, be prepared for the unexpected and do not assume that your auto policy automatically covers you when driving a rented truck. As the premier provider of moving truck rental in Manchester, T G Commercials Self Drive explains below some of the things that are covered under rental truck insurance and the ones that aren’t.
The following insurance options are available to you when you are renting a moving truck:
- LDW (Limited Damage Waiver) – LDW covers the driver from financial responsibility in case of any damage or loss to the vehicle except if the truck has violated the rental agreement terms.
- PAI (Personal Accident Insurance) – PAI provides accidental death, as well as, accident medical coverage for the renter of the moving truck and also the passengers. Passenger coverage is given within the enclosed portion of the truck only.
- SLI (Supplemental Liability Insurance) – SLI offers protection to the renter of the vehicle against claims made by a third-party for property and/or bodily damage sustained as a result of an accident whilst operating the vehicle. Renter, as well as, all authorised drivers must be of legal age to drive.
- CAI (Cargo Insurance) – CAI covers the renter’s furniture and other personal belongings from damage or loss due to natural disasters or accidents during transit. But, it only covers the cargo that is inside the truck. Possession and furniture damage whilst unloading or loading is not covered.
- TWI (Towing Insurance) – TWI protects renters against collision damage for a vehicle whilst towed by, attached to or detached from your rented moving truck. It covers a vehicle whilst being loaded onto, unloaded from or transported by a rented truck.
In a typical rental truck policy, the following are excluded from the truck rental insurance coverage:
- Tires – Curbed tires are a result of running along or into a curb. Even though this is not usually a serious situation, it may lead to puncturing the tire. This is not covered under the insurance plans.
- Corner cap – The corner cap on a moving truck is typically located on the front right and left corners. This is usually found on box trucks. These corners are one of the firsts to be damaged if people are unfamiliar with driving a truck and fail to realise the height of the truck when taking a turn. Damage to this area is usually not covered under any insurance plan.
Unlike a small car or even a large SUV, even the slightest dents and dings on a truck mean expensive repairs. This is why moving truck rental provides have several insurance plans in place so that the renters, as well as, rental providers are protected against damages. The aforementioned insurance options are the most common. But, you can also rent fully insured moving trucks from T G Commercials Self Drive. You can get in touch with us to understand what is not and what is covered by insurance.
For complete insurance details including limitations and costs, kindly talk to our executive team. They will give you all the details that you need and also walk you through the process of renting our trucks in Manchester. We look forward to hearing from you.