Do you need car insurance to rent a U-Haul? This question is about Rental Car Insurance

No, you don't need car insurance to rent a U-Haul. Most auto insurance policies or credit cards don't extend coverage for U-Hauls, so rental services recommend purchasing optional coverage, as otherwise you would be financially responsible for any kind of damages. There are multiple options available on the market for U-Haul coverage, such as Safemove, Safetow, or Safestor. U-Haul coverage can include: Damage waivers Cargo protection Medical/life coverage Supplemental liability insurance Exclusion-free coverage Towed property protection Roadside assistance Storage protection Most providers will allow you to personalize your coverage, so if you feel like any of the options are not necessary, you can drop them. Your U-Haul rental company will be able to offer you coverage that best fits your needs.

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Do you need car insurance to rent a U-Haul?

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This question is about Rental Car Insurance

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Lilah Butler, Car Insurance Writer

@lilah_c • 08/04/21 This answer was first published on 08/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you don't need car insurance to rent a U-Haul. Most auto insurance policies or credit cards don't extend coverage for U-Hauls, so rental services recommend purchasing optional coverage, as otherwise you would be financially responsible for any kind of damages.

There are multiple options available on the market for U-Haul coverage, such as Safemove, Safetow, or Safestor. U-Haul coverage can include:

Damage waivers
Cargo protection
Medical/life coverage
Supplemental liability insurance
Exclusion-free coverage
Towed property protection
Roadside assistance
Storage protection

Most providers will allow you to personalize your coverage, so if you feel like any of the options are not necessary, you can drop them. Your U-Haul rental company will be able to offer you coverage that best fits your needs.

Answer Question

Do you need insurance to rent a car?

No, you do not need insurance to rent a car because rental companies have their own insurance. Rental car companies usually provide minimum liability coverage only, so if you don’t have personal insurance, you’ll probably want to purchase extra rental car insurance through the rental company. If your personal car is insured and you pay for your rental with a credit card, you can probably skip the optional coverage offered at the rental counter.… read full answer

Coverage Offered by Rental Car Companies

Collision Damage Waiver:

Covers: Damage to the rental car in an accident

Similar to: Collision and comprehensive

Supplemental Liability

Covers: Damage and injuries to the other driver from an accident you cause

Similar to: Bodily injury and property damage liability

Personal Accident

Covers: Medical costs for injuries to you and your passengers

Similar to: P ersonal injury protection, MedPay and health insurance

Personal Effects

Covers: Personal items stolen out of the rental car

Similar to: Homeowner’s or renter’s insurance

You don’t have to purchase all of these coverage types to be protected while driving your rental. But minimum liability insurance carried by the rental car company isn’t enough protection if you get into an accident.

When You Don't Need The Rental Company's Insurance

Before you buy the rental company’s insurance, you should consider what coverage you may already have through your personal car insurance. The coverage limits and deductibles you have on your personal vehicle typically still apply to rentals, as long as you’re renting for personal use. Many major credit cards also offer coverage for rental cars if you pay with your card and decline the collision damage waiver offered by the rental company.

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Does Chase Sapphire Reserve cover U-Haul?

No, Chase Sapphire Reserve does not cover U-Haul rentals. The auto rental collision damage waiver does not cover vans or trucks, the types of vehicles offered by U-Haul. It’s also good to note that U-Haul rentals don’t count as travel on the Chase Sapphire Reserve. You will only receive 1 point / $1 spent on rentals using the card.… read full answer

However, U-Haul does offer its own rental insurance policy. And it’s possible that your existing auto insurance policy could cover rentals, though that’s rare. Either way, it’s a good idea to get coverage, as U-Haul declares renters that decline coverage as fully responsible for all damages of rented vehicles.

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