What Is A Non Owned Auto Insurance Policy? 
That 's a great question ! Non-owned insurance is a type of policy that allows coverage for you , when you do n't actually own the vehicle . A good example ? You own a pizza joint , and the deliveries are made by the employees , in their cars . One of them has an accident . Your company has a non-owners policy , that covers the claim . It allows for payment for the repairs , even though you , the company owner , do n't own the car . Thanks for asking ! 