How does non-owner car insurance work?

What do I need to know about non-owner car insurance? I'm interested in purchasing this type of insurance to borrow my roommate's car from time to time, but her insurance company says I need to get my own non-owner policy.

Answer provided by
Eric Schad
Answered on Jul 19, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“A non-owner car insurance policy works as secondary insurance on top of the primary driver’s policy.
Interestingly, you should be covered by your roommate’s car insurance if you drive it just on occasion, typically once a month or less.
However, if her insurer is stating that you need to have a non-owner policy, it’s probably for a good reason.
With this policy, you’ll get additional liability coverage on top of the primary person’s policy. If the primary insurance doesn’t cover you, this non-owner insurance policy will provide liability coverage up to the amounts you specify.”

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