Temporary insurance for rental vans between individuals: what you need to know

Looking to rent a van from a private individual? Choose the temporary rental agreement that best suits your needs, usage, driver, and insurance requirements. Carefully review the specific "rental" coverage, exclusions, and deductible. KT Tempo guides you through the process of choosing the right option.

Are you planning to rent your van to a private individual, or are you going to rent one to transport furniture, move house, or for a one-off project? This situation requires carefully tailored insurance coverage. Temporary insurance for peer-to-peer rental vans allows you to have peace of mind during this period, without committing to a long-term contract. This article guides you step-by-step: use cases, preferred coverages, required documents, and why you should choose KT Tempo.

Why is temporary insurance useful for this type of rental?

Renting a van from a private individual changes the rules of the game when it comes to insurance. Indeed:

• The owner of the utility vehicle may find that their standard insurance policy does not cover rental use to a third party. For example, some insurance policies explicitly exclude "commercial use or rental".
• The tenant, for his part, must be certain that he is covered to legally drive the utility vehicle for the agreed period.
• Temporary insurance, tailored to the duration and use, allows you to cover this specific risk (typically 1 to 90 days) without paying for a year.
• It allows for the definition of guarantees precisely adapted to the type of use (loading, occasional transport, moving) and the driver's profile.

Typical use cases & appropriate duration

Here are some concrete examples:

• The owner is renting out his van for a day or a weekend so that an individual can move house.
• The tenant rents a van to transport construction equipment or a large piece of furniture for a few days.
• The owner wants to quickly cover the utility vehicle between two professional rentals or personal use, without starting a new annual contract.
  In all cases, the chosen duration can be very short (e.g., 1 to 7 days) or a little longer (up to 30 or 90 days), depending on the insurer's offer.

Guarantees to prioritize and specific elements to check

Civil liability

This is the minimum mandatory guarantee: it covers damage that the utility vehicle could cause to third parties.

Damage to the utility vehicle

When it comes to rentals, the risks are higher: overloading, intensive use, transporting heavy loads, etc. It is essential to verify that material damage (accidents, theft, fire) is covered.

Loading, professional use?

Even if the service is for private individuals, the nature of the use may be classified as "professional" (e.g., transporting equipment on behalf of a client). Check that the contract does not restrict this type of use.

Authorized driver and rental duration

The tenant must be properly identified (minimum age, valid driver's license). For rentals between private individuals without an intermediary, certain conditions may differ.

Franchise and exclusions

The deductible may be higher for rentals between individuals. Exclusions are often related to commercial use or special registration. It is important to read carefully.

Specific documents

• Vehicle registration (registration certificate)
• A clearly defined rental agreement (duration, usage)
• Renter's driver's license
• Temporary insurance certificate clearly stating the utility vehicle, the duration, and the intended use

How to subscribe with KT Tempo for this type of use

1. Specify the exact rental period (e.g., 3 days, 1 week).
2. State the intended use (transport, moving, short-term rental).
3. Indicate the characteristics of the utility vehicle (GVW, payload, registration).
4. Provide the information of the driver renter (identity, license).
5. Obtain a temporary insurance certificate immediately and give it to the tenant or landlord.
6. Check that the contract explicitly covers "rental between individuals" or similar use.

Conclusion

Renting a van from a private individual can be an excellent option, but without appropriate insurance, you expose yourself to risks. Temporary insurance offers a tailored, balanced solution without a long-term commitment. With KT Tempo, you have access to a fast, flexible offer designed for this type of use: whether you rent or lease a van, you can be insured with peace of mind.