A "non owner" insurance policy typically includes liability, medical payments, and uninsured motorist. Now, many insurance companies offer this policy to someone who drives occasionally but does not own a vehicle. The keyword is "occasionally."

Since the vehicle is in your household, insurance companies may believe you have more access to drive this vehicle than for an "occasional" use.

As a result, you may not be able to purchase the "non owner" policy. The owner may have to take out a policy for this vehicle and list you on her policy as an "eligible" driver.

Currently, we only offer immediate coverage for a non-owners policy in Florida, through Direct General Insurance Company.