Billie J. Minton Insurance Agency, LLC
An Independent Franchise 

Tel: 423-723-2244    Fax: 423-378-6333


Typically, non-owners insurance is a policy you purchace to give you liability protection for when you are at fault and don't own a vehicle.

The qualifications for using it would be to first have the policy and then it would be limited to the coverage definitions and exclusions in that policy. Those are typically standard to the coverage you have. For example, to get a non-owners policy you would only purchase Bodily Injury Liability, Property Damage Liability, Medical Payments, Uninsured Motorist and/or Underinsured Motorist, depending on the state.

You want to verify that any vehicle you drive is insured. The owner of that vehicle is required to insure it. A non-owners policy would be secondary to that insurance.

There is no legal definition for non-owners that applies to car insurance. Insurance companies file their rates with their respective insurance departments. This is a typical filing, qualification and definition:A non-owner / named-operator policy may be written when the insured needs coverage only for his personal operation of a vehicle not owned by him or a family member.

  • Only Liability BI, PD and UMBI may be written
  • Permissive operator coverage is not included

Other typical words used to describe variations of these policies are:

  • Named Non-Owner policies
  • Owner-Operator Policy
  • Operator Policy
  • Owner Policy

Typically, these restrictions are in place:

  • Bodily Injury Liability, Property Damage Liability, Medical Payments, Uninsured Motorist and Underinsured Motorist are the only coverages available, depending on the state.
  • Non-owneer insurance provides auto insurance for an individual who does not own a vehicle. 
  • Coverage does not extend to household members and only applies to the person listed on the declarations page.
  • Physical Damage coverage is never available on a non-owners policy.
  • Business use is unacceptable on a non-owners policy.
  • Higher liability limits of coverage are available for these types of insurance policies.
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