Either that, or you'll take on some sort of hazard liability, and they'll find a way to see that you waive all coverage during the periods in which you're perso

Either that, or you'll take on some sort of hazard liability, and they'll find a way to see that you waive all coverage during the periods in which you're personally operating the vehicle. Insurance companies have to compete on rate pricing to some extent, so there isn't too much room to move radically north there. But I could definitely see their getting into real-time pricing models, and/or denying coverage as a means of minimizing their responsibility in your agreement.