Does my auto insurance cover moving trucks?

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In a nutshell...
  • Liability insurance coverage may transfer from a primary policy to a rental, but not collision and comprehensive coverage
  • Always check with an insurance provider first and never assume liability coverage automatically transfers over to the rented moving vehicle
  • Purchasing a non-owner insurance policy could put in place the necessary coverage for the moving vehicle

The time has come for the big move. Your former dwelling had its pros and cons, but the new residence is absolutely perfect.

The one not-so-perfect aspect entails relocating all your personal belongings into a moving van or truck and transporting those belongings miles and miles away.

Insurance issues do become a priority right after an accident occurs. By then, it’s a little late to determine if the current coverage is appropriate.

Procuring solid auto insurance coverage when renting a moving van or truck shouldn’t be too troublesome. The process is easy and requires only a minimal amount of work.

Compare car insurance rates and options to make sure you’re prepared and you’re not overpaying. Enter your zip code above to get started.

Transferring Primary Insurance

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Generally, the current auto insurance policy purchased for a primary vehicle transfers over to the moving vehicle. A prudent auto insurance customer checks whether the policy absolutely will transfer.

Certain auto insurance providers might exclude the new vehicle because it is not a car or van. In other words, the coverage won’t extend if the rented vehicle is a truck.

Other insurance providers won’t exclude a moving truck because the vehicle is not a commercial vehicle or does not exceed size/weight limitations. Regardless, make no assumptions. Confirm the validity of any coverage because every company is different.

Not all auto insurance companies adhere to the following:

  • The same rules
  • The same requirements
  • The same exclusions

Understanding the exclusions for an auto insurance policy is important to avoid making a disastrous mistake. With an insurance policy, an exclusion refers to something specifically not covered. Exclusions are spelled out very clearly and no leeway exists to receive coverage.

So, if an auto policy specifically excludes extending coverage for a moving truck, the insurance company won’t pay for any liability claims in the event of an accident.

Again, don’t make any assumptions about what the policy covers.

Instead, contact the insurance company and inform the representative about any plans to rent a moving vehicle. Determine if the current policy transfers over.

Customers not thrilled about their current insurance provider’s policies towards transferring coverage may benefit from a little comparison shopping. Looking over different quotes from several companies potentially creates a path to much better insurance.

Auto liability insurance coverage is a must when taking any rented vehicle out on the road.

Even if the insurance policy does transfer liability coverage to the rented vehicle, the policy’s added coverage might not.

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Collision and Comprehensive Coverage Excluded

Likely, a driver’s primary auto insurance provider won’t extend collision and comprehensive coverage to a rented moving truck.

Even though collision and comprehensive insurance probably won’t transfer to the moving truck, similar protections may be available through the rental company.

Rather than selling collision and comprehensive coverage, the rental service could offer a collision damage waiver (CDW) or loss damage waiver (LDW).

With CDW or LDW waivers, the rental company agrees not to hold the driver responsible for damages or other losses to the vehicle.

Don’t assume waivers are unnecessary for a move because the relocation trip is a relatively short one. Anything can happen.

Adding Moving Truck Company Insurance

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The moving truck service surely will offer more insurance coverage for an additional price. Contents insurance protecting the belongings being transported in a truck is quite popular as it should be.

Who wants to lose his/her belongings and not be able to at least recover their monetary worth in the advent of an accident?

Don’t dismiss any options to buy insurance intended to cover damage to the vehicle.

The moving company could offer collision, comprehensive, and even liability insurance. It is difficult to assess the wiseness of purchasing any solicited coverage options.

Each rental service puts forth different options and the provided insurance varies from company to company.

Regardless, even when liability coverage extends to the vehicle, adding further liability coverage through the rental company may be worth considering as well. Being “over insured” won’t likely be as problematic as being underinsured.

The Familiar Insurance Provider

Comfort levels with rental company-provided insurance might not be too great. When current insurance coverage does not transfer, what other options are there?

Choosing to maintain reliable coverage from a current insurance provider may very well be possible through requesting nonowner insurance.

As the name implies, this type of coverage extends to vehicles driven by someone who does not own the car, truck, or van in question.

Be aware nonowner insurance provides liability protection. Perhaps the policy could include the following:

Collision and comprehensive coverages are not included, which means buying added coverage from the rental service may be unavoidable.

Nonowner insurance could be acquired on a temporary basis. Perhaps only a week’s worth of non-owner insurance suffices for the customer. Acquiring nonowner car insurance to cover expenses related to a moving rental could work out dramatically in the favor of the customer.

Actually, no rule exists that purchasing nonowner car insurance must be done with the current main provider of auto insurance.

Comparison shopping for non-driver insurance should be done by reviewing several quotes helps with putting the best insurance in place. Enter your zip code into our free rate comparison tool to get started.

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