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That would be a very Bad Idea. Non Owners Insurance does not cover an accident in a vehicle to which the non-owner has regular use and access. It also will not cover an accident in a vehicle that belongs to a member of the same household. Not sure will depend on many factors, contact an agent/agents and request some quotes.

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Q: Would it be cheaper to get non-owners insurance for your 16 year old than adding him to your insurance policy?
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