Can you get a full coverage insurance policy on a car that you do not own?

Insurance for a Car you do not own

Yes, You can Insure the property of another Person. So Long as you do so properly and have authorization to do so and the owner is benefited, or an other insurable interest in that property exists.

An example is a case where dad says " OK, you can use my spare car but you gotta get your own coverage".

If You have permissive use from the owner of a vehicle, then obviously you have an insurable interest. However, Only the Legal owner of the Property or the designated agent of the owner can receive compensation for the property in the event of a covered loss, so you need to list the owner as an insured on the policy.

If you buy proper insurance coverage, Then Dad will be proud and happy you were prudent enough to fully insure his and your interest in the vehicle he loaned you.

You can not insure the property of another when no insurable interest exists and only the legitimate owner can receive compensation for a property loss. For Liability purposes any authorized driver has an interest in the insured status of a vehicle they are driving.

List all drivers for liability purposes and list the owner for his property interest.

Failure to disclose ( AKA "concealment") that the vehicle is owned or driven by another can negate any comprehensive or collision coverage and compromise liabilities. Meaning that the company would not have to pay in the event of that type of loss.


Yes, you can. I did through Allstate Insurance Company. They did not ask if the car was in my name and I did not tell them anything different.