This is mainly because a moving truck is not a private passenger car and does not meet the conditions to receive comprehensive or collision coverage.

Does car insurance cover rental trucks. 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. However it depends on your specific policy. Your rental must be for 31 days or less to get the benefit of rental car insurance coverage.

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. If your credit card company provides rental car protection it probably only covers cars and other passenger vehicles. Know the policy of your rental company before you arrive at the counter.

The Right Rental Truck Approach for Insurance. 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. It can also provide coverage for items damaged due to certain causes.

In general the coverage you have from your primary auto insurance will cover a rental vehicle. Like rental car companies rental truck services provide minimum liability coverage with each rental. Most vehicle insurance covers up to a certain weight.

Typically when renting an automobile your personal car insurance policy would cover your insurance needs for that rental car. If you dont have diminished value coverage you may be on the hook for any loss of resale value caused by the accident. Most rental companies typically have a short predictable suite of rental vehicle insurance offerings.

Rental Vehicle Coverage Valuable protection for you and your rented vehicle. Rental car insurance often has diminished value coverage. Your car insurance and credit card company are not likely to offer insurance for rental trucks since you are considered more risky when driving a large vehicle that you dont have a lot of experience with.