Named non-owner policies provide coverage while you are operating non-owned vehicles for bodily injury and property damage to a third party. This type of policy in secondary over the regular auto policy that is on the vehicle. The owner of the vehicle should also have a regular auto policy on the said vehicle. Uninsured motorist coverage can be added to this type of policy for an additional premium. Named non-owner policies are typically inexpensive as they do not cover much. This type of policy has many exclusions and you should be sure to talk with your agent to make sure that you understand what is and is not covered under a named non-owner policy. Named non-owner policies are meant for individuals that do not own, regularly operate, or have regular use of a vehicle. If you have any questions about named non-owner policies or would like a quote please feel free to give us a call.
Some specific exclusions of a named non-owners policy
Physical Damage Coverage – Named non-owner policies do not provide any physical damage coverage for the vehicle you are operating. The owner of the vehicle should have a regular auto policy that provides this coverage.
Personal Injury Protection – Named non-owner policies typically do not include personal injury protection if you are injured in an accident.
Vehicles inside your household – Named non-owner policies do not provide any coverage for any vehicle inside your household.
Vehicles owned by relatives – Named non-owner policies do not provide any coverage while you operating vehicles owned by a relative.
Vehicles you have regular use of – Named non-owner policies do not provide any coverage for any vehicle you own, regularly operate, or have regular use of. If you are driving a vehicle on a regular basis you should be listed on the vehicles regular auto policy.
It is important to remember that this post is just intended to be a brief guide. You should read your entire policy contract to find out what is and is not covered by your policy. You should also discuss coverage with your agent to be sure you understand it.
Why choose us for your non-owners insurance policy?
Experience – We have experience with this type of coverage and can answer any questions you have.
Statewide coverage – We have five locations throughout the State of Florida and can write your non-owners insurance no matter where you live via the internet.
Electronic signatures – Our agency uses electronic signatures so you can request a quote, and purchase your non-owners insurance policy from any computer or smartphone.
Customer service – We strive to provide the best customer service in the industry. Keeping our clients happy is our number one priority.