ON-DEMAND INSURANCE FOR VEHICLE SHARING

Systems, vehicles, and methods for ensuring an insurance policy is in place to cover use of a vehicle by an authorized user. A computing device associated with the vehicle executes computer-executable instructions to determine an identity of a user seeking to operate the vehicle and whether an insurance policy associated with the vehicle covers operation of the vehicle by the user. Responsive to a determination that the user is not associated with the insurance policy covering the use of the vehicle, operation of the vehicle by the user is enabled in response to a further determination that the user is covered by an existing insurance policy associated with the user that provides coverage for the operation of the vehicle by the user and an on-demand insurance policy secured by the user that provides coverage for the operation of the vehicle by the user.