Utility Rental:Would you like to rent a commercial vehicle as part of a move or buy a bulky piece of furniture? If you do not usually drive this kind of vehicle an accident can quickly happen. Let us take stock of the precautions and insurance to be taken.
Terms of hire
Whether it’s a pickup truck, a van or a pickup truck, the B permit is enough. However, depending on the hirer and the size of the utility you wish to rent, a minimum age (from 21 to 25 years) may be required, as well as a number of years of permits (from 1 to 5 years .)
Minimum and optional guarantees
In the case of a short-term rental, the lessor generally offers a minimum insurance to the third party included in the rental price. It incorporates guarantees such as civil liability, theft, fire, driver’s warranty or damage to the vehicle subject to deductible. Of course, these guarantees vary from one renter to another, so you will have to read your contract well.
Additional warranties such as reduction or cancellation of deductible, icebreaking warranty or property insurance may be useful. The latter will make it possible to compensate in case of fire, theft or accident what was in the utility, a guarantee not inconsiderable since if renting a van, it is just to transport things. Attention however valuable objects (works of art, jewelry …) are generally not covered. Theft, fire, driver’s warranty and PAI (Personal Assistance Insurance to cover personal injuries) may also be part of the optional warranties.
If the lessee does not offer optional guarantees, the lessee is entitled to approach an insurance company of his choice and to take the necessary steps to subscribe to those he wishes.
It may happen that your credit card has a franchise redemption guarantee if, of course, you have paid with. This warranty can also be covered by your home or auto insurance, so ask for information!
In the event of an accident
If, unfortunately, you have an accident during your hiring, several scenarios can occur:
–Unaccountable Accident: If you are responsible at 0% then you will have no deductible or repairs to pay. Fill out the report amicably and inform the landlord as soon as possible so that he can take the necessary steps.
–100% Accident: If the damage is covered by the insurance you will only have to pay the deductible. If they are not, you will then have to fully reimburse the amount of the damage.
–Any accident under the influence of alcohol or narcotics invariably entails forfeiture of guarantees for the tenant. All expenses of repair and compensation will be charged to him in the event of an accident.
–Similarly, if the theft or damage is due to the negligence of the tenant (unlocked utility), then the tenant must reimburse the entirety of the damage without being limited to the amount of the deductible.
The deductible can vary from one to two times and to reach ten or even twenty thousand euros depending on the vehicle, the accident and the rental company, hence the interest of a redemption guarantee. The landlord is obliged to send you all the corresponding amounts when signing the contract.
The various rental formulas
The usefulness that you will make of the vehicle can vary enormously there exists, according to the renters, various formulas of renting:
–Hourly Rental: A mileage limit can be set at a surcharge per kilometer, or you can benefit from an hourly rate with unlimited mileage.
–Rental by the week, the day or the weekend: the weekend is often more expensive than a day during the week.
–One-way: the formula is very practical and more economical in case of removal. You rent your utility in one agency and deposit it in another, at the other end of France if you wish, without the need to bring it back to the place of departure.
–Rental with driver: essential if you do not have the permit but want to buy a bulky piece of furniture or to move. Note that the driver is not a mover but can advise you on loading the van.
–Long term rental: If you think you need the utility for several months or even several years, it is then possible to turn to the long term rental. The rental process is identical except that it will be safer to subscribe to more guarantees (assistance 0 km, legal protection, financial loss …)
Some practical tips
Here are some tips that, if they sometimes seem meaningful, can easily escape us or get us out of the mind when we are concerned about moving problems:
–Read all the short lines of your utility lease to verify the coverage of the insurance and the amount of deductibles.
–Can someone else drive you the van? Drivers should most often be named on the rental contract, so think about it.
–Pay with your credit card rather than by check or cash in order to benefit from the included insurance.
–Do not hesitate to turn to your usual insurer to subscribe to additional guarantees against theft, fires, to insure the goods transported or to take a warranty driver if the hirer does not propose them.
–Be careful not to take into account the reasons for excluding insurance coverage: driving by a non-declared driver, accident without an identified third party, negligence … Often in the case of pickup trucks the upper parts are not covered, repairs will be to your Load if the roof strikes a bridge or barrier.
–Are you moving abroad? Make sure you are well covered in transit and destination countries.
–Make the vehicle on time and on schedule. If you have an accident once the period expires then all insurance cancels and the expenses will be at your expense. Lengthen the rental period before the deadline.
–In the event of a breakdown it is up to the lessor to take over the repairs and to change the vehicle.
–Finally, depending on the distance you have to go, it may be worthwhile to choose a rental with limited kilometers if you know exactly where you are going, unlimited in case of long journeys, or kilometer rolled in the case of very short journeys.
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