Moving Van Rentals - Considering Insurance

by Nancy

Insurance cover can add quite a number to the total cost of moving van rentals. The need for insurance is to protect the owners against vehicular damages of any sort especially while the van is still in your care. Some rental agencies insist on you paying up for the insurance cover while some will waive the fee or make it optional.

Moving van rental agencies may not insist on charging you for insurance for a number of reasons. If you are moving over a short distance, the risk of damage may be calculated as negligible. You may not be charged directly for insurance too if the rental agency is supplying the driver.

In this case, the cost of insurance is borne by the driver (the agency) and spread over the costs of providing the driver for different trips. Where a rental service insists on insurance, you may still avoid paying if you can provide proof that your own auto insurance covers rentals.

However, before you take on the cover on your own car insurance, make sure you call your insurance agent and verify that you are covered when getting rental services. Mention the rental agency itself to the agent to be sure that there is no restricted list of rental services covered by your insurance company.

In addition, ask your agent if your policy covers you in case of theft and vandalism. Knowing the extent of your cover will help you decide if you want to extend the cover to your rental or pay the rental service’s insurance premium.

Other information you need to get from the agent include how and when a claim can be made should any of the circumstances covered in the insurance plan happen with the moving van rental you are about to get. Make sure to tell the agent what kind of van you are renting. If it is a truck, describe it to him and ask if it matters if it’s a 4-wheeled vehicle or if it has 6 wheels or more.

If you are paying by credit card, don’t assume the credit card company covers your insurance. Most do for car rentals but not for moving van rentals. When you speak with your insurance agent, make sure to also tell him the duration of the rental.

Request coverage only for the time when you are renting the moving van. A short-term rental will attract a lesser premium. Similarly, a one-way van rental should attract a lesser premium.

Where an insurance cover is mandatory before you rent a moving van, you should then consider a CDW (collision damage waiver) coverage if you are going with your own insurance especially if the rental agency is offering one for little.

Of course, this is cost-effective as long as you don’t have a claim later. A CDW is, however, not an actual insurance cover; it is a way of temporarily extending your own cover while not paying a lot to the rental service.

Consider, however, that when you go with your own insurance cover for moving van rentals, you are likely to be charged higher premiums should you have a claim. As always, insurance is about weighing risks.

You should choose the option you are most comfortable with. If not all these options are offered by a given moving van rental agency, you should put that into consideration when choosing which rental service to go with.

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