INSURANCE INFORMATION
TAC Vehicle Rental Insurance Options
TAC requires that you carry insurance coverage for your rental vehicle. You can do this through your own policy, or by purchasing a basic renter’s insurance policy through our carrier. In addition, we offer the option to supplement either your own insurance or the basic renter’s policy by purchasing supplemental insurance coverage. Each option is described below.
OPTION 1: USE YOUR OWN INSURANCE
If your personal insurance extends coverage to a camper, RV, and/or modified vehicle, you can use this insurance for your rental. Please note our vehicles are considered “conversions,” “modified vehicles,” or RVs with off-road travel. Not all insurance companies cover these types of rentals. Ask your insurance if they will cover the specific vehicle you are renting.
◉ HOW IT WORKS
We will ask for copy of your ID and insurance card
◉ WHAT YOU GET
Whatever coverage and limits you have on your policy.
◉ COST
No additional cost beyond what you’re already paying for your policy.
◉ DRAWBACKS
If there is an incident your insurance company will be involved and this can impact your premiums. You are responsible for any amounts beyond your policy limits. Also if your carrier declines coverage, you are on the hook for every.
Option 2: Renter’s Insurance
If your personal auto insurance doesn’t cover our rigs or you don’t have it (i.e. don’t own a car, or international traveler), you are required to buy this renters’ insurance that will cover you at the minimum limits required in Colorado.
◉ What you get
Colorado state minimums:
$25,000/person, $50,000/accident liability for bodily injury
$15,000 property damage
$2,500 deductible
Coverage in all states and Canada
All drivers listed on rental agreement will be covered by policy
◉ COST
Varies from at $46/day to $67/day depending on the vehicle:
4Runners: $46/day, Land Cruisers and Truck Camper: $59/day, Vans: $67/day
◉ DRAWBACKS
Colorado’s required minimums are low, and you are liable for any amount of damages or costs that exceed these minimums. Also, there are some items that this policy does not cover. It will not cover tires or non-factory items like aftermarket rooftop tents, racking, body armor, etc. It also does not cover towing.
◉ How to purchase
Go to our carrier’s webpage (Note: can’t be purchased more than 30 days before trip starts)
Verify rental operator by plugging in our policy number: 303238.
Select your trip dates
Input VIN code for your rental vehicle, scroll to bottom of this page for codes. NOTE: We have multiples of most vehicles and you may not know which one you are in, send us a quick email and we can tell you which one you have.
Upon completion, we get a notification that you purchased a policy so you don’t need to send us anything. Keep the emails for your records however.
Add-On Option: Supplemental LIability Insurance
If your personal insurance extends coverage to a camper, RV, and/or modified vehicle, you can use this insurance for your rental. Please note our vehicles are considered “conversions,” “modified vehicles,” or RVs with off-road travel. Not all insurance companies cover these types of rentals. Ask your insurance if they will cover the specific vehicle you are renting.
◉ WHAT YOU GET
Up to $1,000,000 liability for 3rd party bodily injury
Up to $50,000 for 3rd party property damage
$0 deductible for 3rd party liability claims
◉ COST
$19.95/day (that is on top of the daily rate above)
*NOTE: This document is an informational summary only and not a guarantee of coverage. Coverage will be as provided in the actual policy documents provided by the insurance carrier upon approval.
Policy Number by Vehicle
4Runner (Hank): 702526
4Runner (Charlie): 003363
4Runner (Lyle): 244625
4Runner (Taylor): 215203
Tundra (Toby): 045837
Land Cruiser (Loretta): 013583
Land Cruiser (Willie): 041206
Ford Transit Campervan (Emmylou): A47912
Ford Transit Campervan (Patsy): A47886
Ford Transit Campervan (Shania): A62990
Solis (June): 561541
Solis (Garth): 135127
Solis (Trisha): 125518
