A non owner policy is an auto insurance policy that covers your liability as a non owner of a vehicle.
It can be purchased as a business use policy or a private use policy.
An example of a non owner policy for business use policy would be if you are a valet parker and would like to make sure you have sufficient coverage when operating a vehicle you do not own.
One of the common uses of a non owner policy for personal use is to comply with financial responsibility requirements for a ticket or accident received out of state. For this type of New York policy your insurance company would issue an SR-22 filing to the state that you request. An SR-22 is a financial responsibility certification frequently required by the state when an individual without liability insurance is involved in an accident or is otherwise found to be without legally required coverage. Your insurance company will provide the state with advance notice before canceling your coverage
Another use of a personal non owner policy would be to obtain coverage for a licensed household resident who that you would wish to exclude from your personal auto policy. Most companies would exclude that driver from your rating if they have their own policy.
If you no longer own a car but plan on obtaining a vehicle in the future a non owner policy is an inexpensive way to give you continuous insurance coverage until you are ready for a new vehicle. This is important because most companies will surcharge you if you have had more than a 30 day lapse in insurance.
If you require a non owners policy or have any questions in regard to a non owners policy you can you can contact Robert Pehnke Corp at 718-657-4100 or stop by our office at 137-34 Jamaica Avenue; Jamaica, NY 11435. We have been providing Auto Insurance, Homeowners Insurance, Motorcycle Insurance, Commercial Insurance and bonds to Queens, Brooklyn, Nassau residents since 1953 and have offered motor vehicle bureau plate and registration services since 2000.