some insurance companies wont write a policy for you, because legally the person writing the policy has no ownership in the vehicle, but companies such as progressive will give you a policy, but you have to write the policy and have that person, the owner of the vehicle, listed on the policy. he can be an excluded driver, but if he drives the vehicle and wrecks it, they will deny the claim...

also if there is an accident and the car is totalled, they will write out a check to the person whose name is on the title, not the policy holder.