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special personal auto policy (SPAP)

An auto policy that provides only limited nonowned and permissive use coverage. Specifically, it limits coverage for family members to maintenance or use of the named insured's covered autos only. It also limits coverage for a permissive user to maintenance or use of the named insured's covered auto up to the state's minimum financial responsibility requirements. Developed by Insurance Services Office, Inc. (ISO), as a way for its member companies to offer nonstandard auto coverage, the SPAP adds exclusions for the following: punitive damages, newspaper and food delivery, business use of nonowned autos, driving under the influence, use by an unlicensed operator, undisclosed business use, undisclosed operator, and customizing equipment. Unlike the personal auto policy (PAP), the SPAP does not provide the following: a 90-day extension of coverage for a nonresident spouse, liability coverage for a nonowned golf cart, rental coverage after theft of the covered auto, and the $1,000 of coverage contained in the PAP for aftermarket electronic equipment.

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