I sold my personal vehicle and mostly ride a bicycle or take public transit on my own time. I do however have a company vehicle assigned to me and operate it every weekday. I may borrow my girlfriend's car here or there for longer personal trips. I tried to switch my coverage with Progressive to a non-owner policy, but they declined me because I operate a company vehicle. Do I need a non-owner policy? Is operating a company vehicle an issue for getting this type of coverage, or is that just a Progressive thing?
Do I need non-owner insurance? Sold personal vehicle but drive company vehicle, company covers insurance.
byu/build-up1894 inInsurance
Posted by build-up1894
2 Comments
No. Your company will insure their own vehicle, and your girlfriend will insure hers. Insurance usually follows the car, not the person. Your girlfriend might need to have you listed on her policy, though.
Getting a non owner policy prevents you from having a gap in your policy history. A gap can make you considered a high risk driver.
Find a local insurance broker and they can try multiple companies, including non-standard carriers that are more likely to offer it.