Coverage for Second Driver

I’m wondering if an auto insurance expert will cast some light on a question which my agent and the insurance company itself has been unable to answer. I have a “non-owner” auto insurance policy with Travelers, so my question below is presented in that context. However, the question may be also relevant to standard auto insurance policies. I am “Bob” in the following scenario:

“Bob does not own his own car, but rents cars from a commercial agency such as Avis. Because Bob has a non-owner automobile insurance policy from Travelers, he does not accept any of the car rental agency’s insurance
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