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Yes. You cannot insure anything that you do not own. If you do it is material misrepresentation, voids the contract, and could lead to criminal charges of insurance fraud. The biggest problem is that no payment can be made on the claim because you do not own the vehicle and the true owner cannot be paid because they do not have a contract with the insurance company. You will have to pay the entire claim out of your pocket including for any injuries and property damage to the third party who you hit (if it is your fault).


If you are to drive someone elses vehicle and you are not named on their policy or not covered to drive the vehiicle on your own vehicle policy, then you must purchase insurance to drive that vehicle.

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Q: Is it illegal to insure someone else's car in your name?
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