If you already have insurance on your own vehicle you can add the car you do not own to your policy for the additional premium.

Can you buy insurance on a car you don't own. If you want to own and operate a vehicle in Canada you need a valid car insurance policy in place. If your state requires you to file an SR-22 or FR-44 document getting non-owner insurance might be non-negotiable. This type of coverage is useful for a couple of reasons.

Here is how to handle this. But you do need to tell the insurer that its not your car and that youre not the registered keeper. You might buy a car to give as a gift and want to insure it in the meantime.

Or you might lose your license for any one of a number of reasons but still have a car under your name. There are some situations in which its impossible to get insurance on a vehicle that you dont actually own. You are correct that you will need a separate policy from your mom since you dont live together.

Of course there are some terms that apply. You might also need this type of car insurance if you want to maintain continuous insurance coverage during a period when you dont own a car. You cant insure a car you dont own if you live in New York unless you add your name to the title or the owners insurance policy.

And if they do you might find the price is a lot higherthan it would be if you were the owner or registered keeper. A non-owner policy is a policy that covers you no matter what vehicle you drive. Getting car insurance even when you dont have a license protects your investment if its damaged or stolen.

Whereas it can cost as little as 30 for an entire year if its added on to your insurance policy. Otherwise there is very little motivation for the policyholder to take good care of the vehicle. You can take out a policy on a car even if you do not own it.