How to Insure Someone Else's Car


Determine that the vehicle you are planning on insuring is registered under the name of the owner. It may belong to a friend, relative or rental agency.


Go online and visit the Web sites of several insurance companies to learn about their policy options. Read the information carefully and thoroughly.


Set aside the names of insurance companies that offer non-owner's insurance.


Use the customer service phone number mentioned on the Web site of each company to contact an agent or customer service representative to learn more about your options.


Tell the agent or representative that you wish to use a car owned by your relative, friend or a rental agency, whichever the case may be.


Inform them of the situation clearly and explain that you are planning to obtain separate insurance coverage for the vehicle in question. Be sure to mention that you are interested in getting a non-owner's policy.


Follow the procedures for obtaining non-owner's insurance offered by the company if the quote is acceptable to you. If not, contact other providers untill you get one that is.

Tips and Warnings

  • Check the current insurance status of the car before approaching any agent.
  • If you are an occasional user, see if you can get the policy for a specific number of days in order to save on the premium.
  • Get permission from the owner of the car, preferrably in writing, to drive the car after obtaining the insurance to avoid any future legal complications.