Contact an insurance company or agent before purchasing a policy. Convey all the points that you want to include in the coverage.
Be sure that you understand all the clauses mentioned in the policy you are purchasing.
Get clarification from the agent or insurance company that the policy will cover driving a third-party vehicle.
Find out how much the additional collision and or comprehensive coverage will cost you.
Consult legal experts, if necessary, before paying the stipulated premium.