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Yes, insurance on a license typically provides coverage for liability when you drive vehicles that don’t belong to you. This means it helps pay for injuries or damages you might cause to others in an accident.

Which vehicle types are covered and excluded? 

Insurance on a license covers when you borrow a friend’s car, rent a vehicle for a weekend getaway, or use a car-sharing service. It ensures that you’re covered while driving these types of cars.

While insurance on a license covers a variety of vehicles, there are some limitations. It usually 

doesn’t apply to vehicles you own, rent long-term, or use for business purposes.


In a nutshell, insurance on a license is for your safety when driving vehicles you don’t own. It offers liability coverage for the driver but not for car damage. Before relying solely on this coverage, always check with your insurer to understand what’s included and excluded in your policy.