We look for safer options everywhere. Do you also do it when you look for pickup truck services? Most of us even forget about the insurance aspect of pickup trucks in the urge to book them as quickly as possible. We would suggest stopping doing that. The importance of insurance and liability in your pickup truck quote is more important than anything else. Firstly, let us understand this aspect one step at a time.
What is Insurance and Liability in Pickup Truck Renting?
Just picture yourself booking a Pickup truck rental in Sharjah. Would you simply sign up for the rental without reading the terms and conditions? No right. Also, would you just surpass the part of insurance and liability when you don’t know what it means? That is a big no. So, here is your answer. Let us first find out what it actually means.
Insurance and liability is what determines your financial responsibility and protection in instances of damage, accidents, or even theft. It is as simple as that.
Insurance and Liability While You Rent a Pick-Up Truck in UAE
Let’s break this down point by point:
1. Insurance
There are four kinds of insurance when you rent a pickup truck:
a) Basic Insurance: This form of insurance covers the damages or injuries caused to a third party. It could be to people or even to property. This insurance coverage is for when the pickup truck causes this damage to a third party. This is compulsory insurance provided for pick-up truck rental when you hire them.
b) Collision Damage Waiver: This form of insurance lowers your financial liability for damage to the rental vehicle when there is an accident. This often has an excess or deductible that you would be responsible for.
c) Theft Protection: This form of insurance covers the rental vehicle in case of theft. This would typically involve an excess amount for which you would be liable.
d) Personal Accident Insurance: This form of insurance would cover medical expenses of the driver, and the passenger in case of an accident. This insurance offers benefits for accidental death and dismemberment.
If you are wondering what an excess or deductible is, Let us explain.
The amount you are responsible for paying is out of your own hand before the insurance covers the rest. This amount can be reduced by buying additional coverage, which does not require you to pay first; instead, the insurance cash payment would be made.
There are also additional coverages available when you hire a pick-up rental; read on them as we speak.
Additional Insurance Covers
- Super Collision Damage Waiver: This reduces the excess amount you are liable for in case of damage, as mentioned above.
- Roadside Assistance: This form of cover gives you services such as towing, jump-start, tyre change and more when there is a breakdown of the vehicle.
- Personal Effects Coverage: This covers the personal belongings inside the rental truck against theft and damage.
Some Things You Need to Know Before Booking Your Pick-Up Rental Truck
There are just some things that you cannot miss out on, and they are:
- You need to read the rental agreement before you sign it. You need to make sure what is included in the insurance and what is not.
- You should also be checking for exclusions, like off-road driving and much more.
- Did you know some credit cards offer insurance as an added benefit? You can use that when you book your pick-up rental service.
- Understand the procedure for filing an insurance claim in case the unforeseen happens.
- You need to have all the documents you need ready before you agree to sign up with the company.
- Make sure you are aware of the local laws of the UAE. For instance, if you are making an online truck booking in Dubai, you can’t just accept all the terms and conditions, instead, you need to know the local laws of Dubai when you read the terms and conditions.
Conclusion
It might be hard to go through every line of the terms and conditions page when you hire a pick-up rental truck in the UAE. But you have to understand that it is more than necessary, especially when it comes to the insurance and liability aspect of the document.