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EXHIBIT 31.2

Rule 13a-14(a)/15d-14(a) Certification

I, Jack A Peterson, certify that:



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|1. | I have reviewed this annual report on Form 10-K of AMERCO and
    U-Haul International, Inc. (together, the
    registrant);                                                                                                                                                                                            
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|2. | Based on my knowledge, this report does not contain any untrue
    statement of a material fact or omit to state a material fact
    necessary to make the statements made, in light of the
    circumstances under which such statements were made, not
    misleading with respect to the period covered by this report;
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|3. | Based on my knowledge, the financial statements, and other
    financial information included in this report, fairly present in
    all material respects the financial condition, results of
    operations and cash flows of the registrant as of, and for, the
    periods presented in this report;                   
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|4. | The registrants other certifying officer(s) and I are
    responsible for establishing and maintaining disclosure controls
    and procedures (as defined in Exchange Act Rules 13a-15(e)
    and 15d-15(e)) for the registrant and have:                                                                                



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| | (a) | Designed such disclosure controls and procedures, or caused such
    disclosure controls and procedures to be designed under our
    supervision, to ensure that material information relating to the
    registrant, including its consolidated subsidiaries, is made
    known to us by others within those entities, particularly during
    the period in which this report is being prepared;              
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| | (b) | Evaluated the effectiveness of the registrants disclosure
    controls and procedures and presented in this report our
    conclusions about the effectiveness of the disclosure controls
    and procedures, as of the end of the period covered by this
    report based on such evaluation; and                                                                                                             
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| | (c) | Disclosed in this report any change in the registrants
    internal control over financial reporting that occurred during
    the registrants most recent fiscal quarter (the
    registrants fourth fiscal quarter (in the case of an annual report) that has
    materially affected, or is reasonably likely to materially
    affect, the registrants internal control over financing
    reporting; and



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|5. | The registrants other certifying officer(s) and I have
    disclosed, based on our most recent evaluation of internal
    control over financial reporting, to the registrants
    auditors and the audit committee of the registrants board
    of directors (or persons performing the equivalent functions):



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| | (a) | All significant deficiencies and material weaknesses in the
    design or operation of internal control over financial reporting
    which are reasonably likely to adversely affect the
    registrants ability to record, process, summarize and
    report financial information; and
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| | (b) | Any fraud, whether or not material, that involves management or
    other employees who have a significant role in the
    registrants internal control over financial reporting.                                                                                                       



Date: June 17, 2004



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| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | /s/ JACK A. PETERSON 
     _______________________________________ 
     Jack A. Peterson 
     Chief Financial Officer of AMERCO 
     and U-Haul International, Inc.