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Home > Blog > What Is Broadform Insurance? A Look at Bristol West's Coverage Option
WEDNESDAY, MAY 28, 2025

What Is Broadform Insurance? A Look at Bristol West's Coverage Option

When it comes to auto insurance, most people think of traditional policies that cover both the driver and the vehicle. But what if you're looking for coverage that follows you, not your car? That’s where Broadform Insurance comes in—and Bristol West Insurance offers a unique take on this flexible option.

What Is Broadform Insurance?

Broadform insurance, also known as a "broad form named operator policy," provides liability coverage for the policyholder when they’re driving any personal-use vehicle they have legal access to. This policy type is ideal for drivers who:

  • Don’t own a car but frequently borrow or rent one
  • Want low-cost liability protection
  • Don’t need coverage for damage to the vehicle they’re driving

It’s important to note: Broadform insurance typically does not cover passengers, physical damage to vehicles, or commercial driving.

Why Choose Bristol West for Broadform Insurance?

Bristol West Insurance, a member of the Farmers Insurance Group, is known for offering customizable and affordable auto insurance solutions—including broadform policies in select states. With Bristol West, you get:

  • Competitive pricing
  • A focus on high-risk drivers or those with unique coverage needs
  • Digital tools for easy policy management

Is Broadform Right for You?

If you're a solo driver looking for basic, legal coverage at a lower price point, and you don’t need full coverage on a specific car, broadform insurance with Bristol West might be the smart choice.

Tip: Always review your state’s regulations—broadform insurance isn't legal in every state, and coverage details vary.


Need help figuring out if Broadform Insurance is right for you? Reach out to a Bristol West agent today to explore your options and drive with confidence.

www.alohainsuranceco.com

Aloha Insurance

8753 Yates Dr Ste 200 Westminster CO 80031

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Disclaimer: This blog is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.

Posted 3:24 PM

Tags: broadform insurance, bristol west insurance, named operator policy, auto insurance options, liability coverage, non-owner car insurance, affordable car insurance, high-risk driver insurance, car insurance without a car, insurance for borrowed cars, flexible auto coverage, broadform policy explained
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