The term non owner car insurance can be defined as a sort of policy that offers coverage to people who do not have a car. These are basically drivers who regularly use cars owned by others since they do not have one themselves.

Having such a policy makes sure that they stay legally protected from the damages that they may cause to others or their property while they are driving. As we have said already, these are people who do drive on occasions. Do you borrow cars owned by others frequently? Do you use car sharing services or car rentals?

If yes, you could consider buying such a policy. The same is also applicable when you want to buy a car insurance plan just so that there is no lapse in your car insurance. The thing is that you would get these policies from most of the insurers out there. However, you can be sure that you would not get quotes for these policies on the internet.

Non Owner Car Insurance and Standard Car Insurance

There is also some difference between non owner car insurance and standard car insurance. This is in the sense that a non owner policy provides you only basic coverage. Also, there are not many options for customizing the same.    

However, it must also be said that these policies cost you a lot less than the standard car insurance plans. Apart from the people we have already talked about these policies are also needed by people who need to file an SR-22 form. Are you a high risk driver? Has your license been revoked? In that case you may need to get non operator auto insurance as part of getting the SR-22 form, which is also referred to as FR-22 in some states of the USA (United States of America). You have to do this before the authorities reinstate your license.

When you have an SR-22 form it indicates to the state that you at least have liability insurance. Your insurer could also file the form on your behalf in these cases.