Kelston, New Zealand (PressExposure) December 03, 2009 -- Your plan for the move could be personal as well as Business. What could be the first thing that comes to everyone's mind while planning a move. The answer is simple. How to get all of the belongings to the new place, especially the large items, heavy or bulky articles or delivery of fragile items. Most often we rent a truck to move all of the items. The advantage being that you don't have to make round trips. There is one option that we all sometimes don't pay much heed. And this is Auckland Truck Rental Insurance- whether to purchase it or not.
A majority of truck rental companies will inform you of all the insurance types available. However, some companies do not do so. Hence, it becomes essential for you to inquire about the availability of an insurance policy. You always need an additional coverage which can be purchased from the rental company. But in case of a van or pickup, you may be covered under your car insurance policy.
Different standards are adopted by different companies. If you are going to use the truck within the country, the company might carry less insurance coverage as compared to the one when you are renting for across borders. It is not standard on all rental trucks. You should understand all the insurance details from the company representative before you rent a truck. Before you leave the company premise, be sure that you have asked all the questions to be asked so that you get the insurance you are really after. It is helpful to understand the basics.
There are two types of insurance that are common to Auckland truck rental:-
Supplemental Liability Insurance (SLI): When someone else makes a claim for the damage against you while you were driving the truck. This claim could be against the rental company or against you.
Limited Damage Waiver insurance (LDW): This covers any damages incurred on the rental truck, up to a certain amount.
Personal Accident and Cargo (PAC) insurance: This can be claimed if the passenger is hurt or your items are damaged. It also covers the medical and loss of life expenses.
Tow Protection: It covers damage to one's vehicle while it is being towed by the rental truck. It also includes fire, flood, windstorm or hail, overturning of the truck or towing equipment, and in case of collision with another vehicle or object.
The amount you need to pay for your truck rental insurances are purely dependent on the type of insurance you are entitled to, as on what company you are insuring your truck.