Yes, the American Express Business Platinum card’s car rental loss and casualty insurance can cover U-Haul rentals, but with definitive circumstances and exclusions. If you’re a Business Platinum Card from American Express holder, you may previously know about its plentiful travel perks and insurance benefits. Does American Express Business Platinum Cover U-Haul Rental? But what about U-Haul rentals? If you’re planning a move or need an apartment truck for business, you might be awestruck whether your Amex Business Platinum card covers U-Haul rentals.
Understanding Amex Business Platinum Car Rental Insurance
One of the awesome benefits of the American Express Business Platinum card is its and Damage Insurandamage insurance. Administers analysis for theft or damage when you use your card to capitalize and pay for the entire rental and deteriorate the rental company’s collision damage waiver (CDW).
What Does Amex Business Platinum’s Rental Coverage Include?
- Covers damage or theft of a rental car
- Up to $75,000 in coverage for eligible vehicles
- Applies worldwide in most locations
- Covers standard sedans, SUVs, and luxury cars
However, there are compelling limitations, exclusively when it comes to U-Haul rentals.
Does Amex Business Platinum Cover U-Haul Rentals?
Unfortunately, U-Haul rentals are NOT concealed under Amex Business Platinum Car Rental Loss and Damage Insurance.
Why Doesn’t Amex Cover U-Haul Rentals?
The American Express rental insurance policy eliminates trucks—the consecutive:
- Box Trucks : Includes most moving trucks (like U-Haul’s 10ft, 15ft, 20ft, and 26ft trucks)
- Cargo Vans : Used for moving equipment or small loads
- Trucks : With a GVWR over 10,000 lbs most U-Haul vehicles exceed this weight
- Motorcycles: RVs, and Trailers Nlbs—most for coverage
Since U-Haul primarily rents expressive trucks and cargo vans, their freight does not enable analysis under Amex rental car insurance policy.
What About U-Haul Pickup Trucks?
Some acceleration trucks may be enabled if they are under 10,000 lbs GVWR, but you should approve directly with American Express before overbearing coverage.
Alternative Ways to Get Insurance for U-Haul Rentals
After your Amex Business Platinum does not cover U-Haul rentals, you’ll need alternative coverage options to conserve yourself from damage or accountability costs.
1. Purchase U-Haul Rental Insurance
U-Haul offers rental conservation plans you can acquire when renting:
- Safemove : Covers damage to the truck, theft, and cargo insurance
- Safemove Plus : Adds liability coverage for third-party accidents
- Collision Damage Waiver (CDW) : Covers damage to the truck itself
Best for: Those who want full conversation with minimal difficulty
2. Check Your Personal Auto Insurance
Some auto insurance policies enhance analysis of rental trucks. However, many insurers ostracize box trucks and consignment vans.
Call your provider to ask:
Does my policy cover U-Haul rentals?
Does it cover obligation and damage to the rental truck?
Are there any exclusions based on vehicle type or gravity?
Best for: Those with all-inclusive auto insurance policies
3. Use Third-Party Rental Insurance
Some insurance associations offer specialized rental truck analysis for moving trucks.
Examples include:
Allstate Rental Truck Insurance
GEICO Moving Truck Protection
Forward-looking Rental Truck analysis
These policies can cover damage, theft, and accountability insurance at aggressive rates.
Best for: Those facing for an economical insurance opportunity
How to Avoid High Costs When Renting a U-Haul
U-Haul rentals can come with extravagant damage fees if you don’t have appropriate insurance.
Here are some tips to avoid extra costs
- Go through the truck: Before driving, check for dents, scratches, and tire situation to avoid being charged for preceding damage.
- Drive Safely : Rental trucks are larger and harder to maneuver, so be extra cautious.
Return the U-Haul on Time : Late fees can add up expeditiously if you’re behind schedule.
Refuel Before Returning : U-Haul charges higher fuel prices if you return a truck with less gas than required.
Final Verdict: Should You Use Amex Business Platinum for U-Haul Rentals?
While the Amex Business Platinum is attractive for travel perks, it does not cover U-Haul rentals. If you’re renting an accepted car or SUV, you can enjoy $75,000 in rental car conservation. But for moving trucks and cargo vans, you’ll have an obligation to acquire increased insurance.
For a hassle-free rental experience, consider:
- Buying U-Haul’s Safemove or Safemove Plus insurance
- Checking your personal auto insurance for rental truck insurance
- Exploring third-party rental insurance providers
By planning in advance, you can avoid astonishing fees and stay covered when renting a U-Haul!
How to Save Money on U-Haul Rentals
Renting a U-Haul can be overpriced, especially if you don’t have proper insurance analysis.
Here are some tips to reduce costs:
- Compare prices before booking : U-Haul competes with other rental companies like Allocation and Penske.
- Book in advance : Prices are higher during peak moving seasons.
- Inspect the truck before driving : Escape Paying for pre-existing damages.
- Refuel before returning : U-Haul charges high fuel prices if you return a truck with less gas.
- Return the truck on time : Avoid late fees by returning it at the agreed time.
Best Credit Cards for U-Haul Rental Insurance
If you’re looking for a credit card that effectively covers rental trucks, acknowledge these options:
Chase Sapphire Preferred Card
Large vehicles are not covered, but rented automobiles are.
Includes primary rental coverage, as opposed to secondary coverage offered by Amex.
Capital One Venture X Rewards Credit Card
Provides rental car insurance in many situations
Coverage depends on vehicle type and size
Citi Premier Card
Includes insurance for smaller car rentals.
Excludes big moving trucks.
Pro Tip: Always check your credit card rental coverage policy before borrowing a truck rental to ensure it is covered.
Final Thoughts
If you’re planning to rent a U-Haul, make sure you have the appropriate insurance coverage. Since the Amex Business Platinum does not cover U-Haul rentals, acknowledge using U-Haul’s insurance or checking with your auto insurance provider.
FAQs
1. Does Amex Business Platinum cover any U-Haul rentals?
No, the Amex Business Platinum’s rental insurance excludes box trucks, cargo vans, and vehicles over 10,000 lbs GVWR.
2. Does American Express Business Platinum cover rental car insurance?
You’ll receive coverage when paying for your car rental with The Platinum Card® from American Express, Membership Rewards points, or Pay with Points.
3. Can I use my Amex Business Platinum card to rent a U-Haul?
Although you can pay with the card, you will not be covered by insurance against theft or damage.
4. Do any credit cards cover rental trucks like U-Haul?
Most credit card rental insurance policies exclude large trucks. You’ll need separate rental truck insurance from U-Haul or a third-party provider.
5. Are Business Platinum and Amex Platinum the same thing?
The business version includes additional benefits targeted at small business owners, even though the two cards have many of the same features.