An SR22 Named-Operator policy is a type of car insurance policy where only the operator or driver is named on the policy. The policy is so named because it assumes the insured driver does not own a car. It is also more commonly known as a Non-Owner Policy. There are rare circumstances in which a driver must carry an SR22 certificate to keep their driver's license active, but does not own a car.

Strange, I know. Forced to buy insurance on a vehicle that doesn't exist, but since the laws in Oregon now require a car to be insured, not the driver, only car owners must buy insurance. A special type of policy, a Named-Operator Policy, was created to fix a deficiency in this new approach to auto insurance regulation in the State of Oregon.

Sometimes the Named-Operator Policy is also referred to as a Broad Form Policy. In Oregon, it does not. A Broad Form Policy will cover a single driver for any car he drives, owned or not. That type of policy has not been offered or allowed in Oregon since around the mid-1990s.