The Right Rental Truck Approach for Insurance.

Does car insurance cover rental trucks. However if you have collision and comprehensive on the vehicle on the trailer it should cover the car if its damaged during transport. Most rental companies typically have a short predictable suite of rental vehicle insurance offerings. NerdWallet points out that while many auto insurance policies cover rental cars its common for them to exclude cargo vehicles trailers and vehicles over a certain weight That means a truck rental probably isnt currently covered under your specific auto insurance policy.

In order to be covered for liability and personal accident insurance your Ontario auto insurance policy needs the OPCF27 liability for non-owned automobiles endorsement to be transferable to a rental car. But this is not the case with moving truck rentals. If youre renting a moving van which is similar in size to a passenger van theres a better chance that a personal auto policy would cover it but dont assume so.

Many auto insurance policies dont cover large truck rentals. Rental Vehicle coverage gives you and your rented vehicle great protection at a very affordable rate. Rental car insurance often has diminished value coverage.

Even if your policy covers some car or truck rentals there may be exclusions based on the truck size or weight. This insurance does not typically cover damage caused by shifting cargo theft or burglary. Physical Damage Insurance and Rental Trucks While personal liability coverage does extend any physical damage coverage you carry on your private passenger cars will not extend to your rental.

In general the coverage you have from your primary auto insurance will cover a rental vehicle. If there is any coverage for rental trucks there should be a section about this. See Rental Trucks.

Yes and no you will likely be covered for damages and injuries caused to others and their property but not to yourself or the truck you rented. Will my auto insurance policy cover a truck rental. You are a high-risk driver and it is not worth another claim.