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BugsyPal is spot on with their response. That said, the OP did say that they rarely drive their own vehicle, which seems to imply that they do have their own vehicle. If that's the case, then it's fairly easy to confirm with your personal insurance company that you are covered for liability when renting a car (most policies do offer this coverage), and to add it if needed. That's probably much cheaper and easier than finding a non-owner policy which really isn't needed if you are in fact an owner.