Non-Owner’s Policy

What is Non-Owner’s Insurance?

A non-owner auto insurance policy covers you for liability when you do not own a vehicle. It is purchased per driver, so multiple drivers are not covered under one policy. Most non-owner auto insurance policies do not provide coverage for medical or any physical damage, however it is possible to find medical coverage depending on the carrier.

Who Should Consider Non Owner Insurance?

Insurance experts recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The policy will provide the basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you don’t own a car but still need liability insurance coverage, it’s well worth considering.

How Much Does it Cost?

There are several factors that may determine the cost of your non owner insurance policy. The amount of coverage you desire will, of course, affect how much you pay. Your driving history and the estimated frequency with which you plan on using a car will also influence the cost of your monthly payment.

Non-Owner Policies do NOT Cover:

• Physical Damage

A non-owner policy never covers physical damage on any vehicle:

• A Vehicle You Own

Do not forget to convert your non-owner auto insurance policy into a traditional auto policy once you own a vehicle. Non-owner auto insurance will not cover a vehicle you own.

Non-owner auto insurance policies are available everywhere but do not get talked about very often. Many people have never heard of auto policy for a person who does not own a vehicle. It is always recommended to avoid a lapse in car insurance coverage if at all possible. A non-owner auto insurance policy can protect you for those times when you do not own a vehicle.