The way I understood it was a vehicle in your name and on your policy for 8 years. If it moves to somebody else's policy the clock starts again. When I said not tied to the policy I skipped the fine print about multiple vehicles on the same policy. On one of my policies I have a vehicle that's been covered for at least 10 yrs so it has the forgiveness. If I add another one it doesn't get that feature until it's been covered on that policy for 8 years.

The part that seemed strange to me is who keeps a car for 8 years anymore?