If you regularly borrow a car from someone, like your parents, you’ll need to be added to their owned auto policy. However, if you and your parents have decided to formally exclude you from their auto policy (this is called an operator exclusion), then Surround might be right for you.
Once you've been excluded from your parents' auto policy, Surround will cover you for occasional borrowing of your parents' vehicle as well as car rentals and car sharing. But, keep in mind that Surround offers a package of insurance including renters insurance for your personal possessions in your home. If your parents' already have home insurance or renters insurance our package might not be right for you.