If your goal is to protect yourself from financial liabilities (instead of legal responsibility, i.e., to avoid getting charged with driving without insurance), you may also be able to get a supplementary insurance for yourself.
It may be known as third-party driver insurance, non-owner car insurance, etc. It is generally not a substitute of the legal insurance required for the vehicles.
Depending on your country, some insurance companies may offer you coverage as the driver of a vehicle of a third party, subject to certain conditions which vary by each policy and may include among others:
- you maintain your main residence in the country of the insurance company;
- the value of the driven vehicle does not exceed certain threshold;
- you do not drive more than certain days out of a certain period (e.g. more than 30 days within 6 months)
- the weight of the vehicle is under a certain threshold, or other conditions on the type of vehicles;
- the vehicle is owned by a private individual and lent on a non-commercial basis;
- any mandatory or other insurance must be used first;
- certain high-risk jurisdictions may be excluded;
- and almost universally, you hold a valid, recognized driving licence within the jurisdiction where you are driving.
It may or may not be included, or available as an option, from your auto insurance or civil liability insurance. Again, like all insurances, you should carefully read the terms and conditions, notably the limitations and exclusions of the coverage.