LEVINE, Justice.
Monica Baker, a minor child, and Donna White Tail, individually and as parent and guardian of Baker, appeal from a summary judgment declaring that a motor vehicle liability policy issued by State Farm Mutual Automobile Insurance Company [State Farm] to Leon LaRoque did not provide coverage for injuries sustained by Baker and White Tail. We affirm.
In June 1989, White Tail and Baker began living with LaRoque in a house rented by him in Sheyenne, North Dakota. La-Roque and White Tail were not married, and Baker is not LaRoque’s biological or adopted child. On December 4, 1989, White Tail and Baker were seriously injured while riding in a vehicle owned by White Tail but driven by LaRoque.
White Tail and Baker received basic no-fault benefits from White Tail’s insurer, but they also sought coverage under a policy issued by State Farm to LaRoque for his 1974 Chevrolet Blazer. That policy covered LaRoque’s use of a “non-owned car,” which it defined as “a car not: ... furnished or available for the regular or frequent use of: you.” According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amend-atory Endorsement 6025J, effective July 7, 1988. The endorsement said that the definition of a “non-owned car” was changed to read “a ear not owned by or registered or leased in the name of ... any other person residing in the same household as you....”
State Farm commenced this declaratory judgment action against LaRoque, White Tail, and Baker to determine its obligations under its policy with LaRoque. The district court granted summary judgment, declaring that State Farm’s policy with La-Roque did not provide coverage for the [237]*237injuries sustained by Baker and White Tail. The court concluded that the definition of a “non-owned car” in Amendatory Endorsement 6025J was in effect at the time of the accident and unambiguously excluded coverage for LaRoque’s use of White Tail’s vehicle. The court alternatively concluded that, as a matter of law, White Tail’s vehicle was “furnished or available for the regular or frequent use” of LaRoque under the original definition of “non-owned car.” The court also concluded that the definition of “non-owned car” was not contrary to Chapters 39-16.1 and 26.1-41, N.D.C.C., or to public policy. White Tail and Baker [hereinafter collectively referred to as White Tail] appealed.
White Tail initially contends that State Farm’s policy with LaRoque is ambiguous and should be strictly construed against State Farm. She argues that a reasonable person would conclude that State Farm’s policy provided liability coverage when La-Roque drove a “non-owned car.” She contends that State Farm created an ambiguity by defining “non-owned car” to exclude coverage in some instances and by amending that definition. State Farm responds that Amendatory Endorsement 6025J unambiguously excludes coverage for White Tail’s claims because it clearly defines a “non-owned car” as a car not owned by “any other person residing in the same household as” the insured.
Our review is under the standards applicable to summary judgment. Summary judgment is a procedural device for the prompt and expeditious disposition of a controversy without a trial if there is no genuine issue of material fact or inferences to be drawn from undisputed facts, or if only a question of law is involved. E.g., United Electric Service & Supply, Inc. v. Powers, 464 N.W.2d 818 (N.D.1991); Rule 56, N.D.R.Civ.P.
Our first task is to consider which of the two definitions of “non-owned car” governs this case. State Farm issued its automobile liability insurance policy to La-Roque in June 1988 and that policy was in effect when the accident occurred on December 4, 1989. State Farm’s preprinted policy with LaRoque defined “non-owned car” as a “car not ... furnished or available for the regular or frequent use of” LaRoque.1 However, the uncontroverted affidavit of the company’s claim superintendent says that Amendatory Endorsement 6025J was effective July 7, 1988, and was attached to the policy form issued by State Farm to LaRoque.2 It defined a “non-owned car” as “a car not owned by ... any other person residing in the same household as” LaRoque. If there is a conflict between the provisions of a policy form and an attached endorsement, the provisions of the endorsement prevail. Haugen v. Auto-Owners Ins. Co. of Lansing, 191 N.W.2d 274 (N.D.1971). We conclude that Amendatory Endorsement 6025J was in effect on the date of the accident. We therefore review the insurance contract with that definition of “non-owned car.”
The construction of a written insurance contract is a question of law which is fully reviewable by this court. E.g., Cormier v. National Farmers Union Property & Casualty Co., 445 N.W.2d 644 (N.D.1989). If the language of an insurance contract is unambiguous, we construe that language according to its clear meaning. [238]*238Id.; Section 9-07-02, N.D.C.C. If the language of an insurance contract is ambiguous, we apply our rules of construction in Ch. 9-07, N.D.C.C., to resolve the ambiguity. Walle Mutual Ins. Co. v. Sweeney, 419 N.W.2d 176 (N.D.1988); Section 9-07-08, N.D.C.C. Whether the terms of a contract are clear and unambiguous is a question of law for the court. Dawn Enterprises v. Luna, 399 N.W.2d 303 (N.D.1987). A contract is ambiguous when reasonable arguments can be made in support of contrary positions as to its meaning. Id.
A definition of a term in an insurance contract may exclude coverage if the language of the contract, as a whole, is clear. Haugen v. Auto-Owners Ins. Co. of Lansing, supra; Section 9-07-06, N.D.C.C. Here, the policy provides LaRoque coverage for his use of a "non-owned car.” The Amendatory Endorsement defines “non-owned car” in clear and explicit language that expresses one idea unequivocally— that a “non-owned car” does not include a car owned by a person residing in the same household as LaRoque. We agree with other states’ holdings that similar language clearly excludes coverage. Dairyland Ins. Co. v. Beekman, 118 Ariz. 294, 576 P.2d 153 (Ariz.Ct.App.1978) [member of the same household is not ambiguous]; Farmers Ins. Co. v. Plunkett, 687 P.2d 470 (Colo.Ct.App.1984) [resident of same household is not ambiguous]; see generally, An-not., Exclusion from “drive other cars” provision of automobile liability insurance policy of other automobile owned, hired, or regularly used by insured or member of his household, 86 A.L.R.2d 937, § 5 (1962); Annot., What is a “non-owned" automobile within the meaning of the coverage clause of an automobile liability policy, 83 A.L.R.2d 926, § 4 (1962). We conclude that the definition of “non-owned car” is unambiguous and excludes coverage when the insured drives a car owned by a person residing in the same household.
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LEVINE, Justice.
Monica Baker, a minor child, and Donna White Tail, individually and as parent and guardian of Baker, appeal from a summary judgment declaring that a motor vehicle liability policy issued by State Farm Mutual Automobile Insurance Company [State Farm] to Leon LaRoque did not provide coverage for injuries sustained by Baker and White Tail. We affirm.
In June 1989, White Tail and Baker began living with LaRoque in a house rented by him in Sheyenne, North Dakota. La-Roque and White Tail were not married, and Baker is not LaRoque’s biological or adopted child. On December 4, 1989, White Tail and Baker were seriously injured while riding in a vehicle owned by White Tail but driven by LaRoque.
White Tail and Baker received basic no-fault benefits from White Tail’s insurer, but they also sought coverage under a policy issued by State Farm to LaRoque for his 1974 Chevrolet Blazer. That policy covered LaRoque’s use of a “non-owned car,” which it defined as “a car not: ... furnished or available for the regular or frequent use of: you.” According to a claim superintendent, State Farm issued the policy to LaRoque in June 1988 with Amend-atory Endorsement 6025J, effective July 7, 1988. The endorsement said that the definition of a “non-owned car” was changed to read “a ear not owned by or registered or leased in the name of ... any other person residing in the same household as you....”
State Farm commenced this declaratory judgment action against LaRoque, White Tail, and Baker to determine its obligations under its policy with LaRoque. The district court granted summary judgment, declaring that State Farm’s policy with La-Roque did not provide coverage for the [237]*237injuries sustained by Baker and White Tail. The court concluded that the definition of a “non-owned car” in Amendatory Endorsement 6025J was in effect at the time of the accident and unambiguously excluded coverage for LaRoque’s use of White Tail’s vehicle. The court alternatively concluded that, as a matter of law, White Tail’s vehicle was “furnished or available for the regular or frequent use” of LaRoque under the original definition of “non-owned car.” The court also concluded that the definition of “non-owned car” was not contrary to Chapters 39-16.1 and 26.1-41, N.D.C.C., or to public policy. White Tail and Baker [hereinafter collectively referred to as White Tail] appealed.
White Tail initially contends that State Farm’s policy with LaRoque is ambiguous and should be strictly construed against State Farm. She argues that a reasonable person would conclude that State Farm’s policy provided liability coverage when La-Roque drove a “non-owned car.” She contends that State Farm created an ambiguity by defining “non-owned car” to exclude coverage in some instances and by amending that definition. State Farm responds that Amendatory Endorsement 6025J unambiguously excludes coverage for White Tail’s claims because it clearly defines a “non-owned car” as a car not owned by “any other person residing in the same household as” the insured.
Our review is under the standards applicable to summary judgment. Summary judgment is a procedural device for the prompt and expeditious disposition of a controversy without a trial if there is no genuine issue of material fact or inferences to be drawn from undisputed facts, or if only a question of law is involved. E.g., United Electric Service & Supply, Inc. v. Powers, 464 N.W.2d 818 (N.D.1991); Rule 56, N.D.R.Civ.P.
Our first task is to consider which of the two definitions of “non-owned car” governs this case. State Farm issued its automobile liability insurance policy to La-Roque in June 1988 and that policy was in effect when the accident occurred on December 4, 1989. State Farm’s preprinted policy with LaRoque defined “non-owned car” as a “car not ... furnished or available for the regular or frequent use of” LaRoque.1 However, the uncontroverted affidavit of the company’s claim superintendent says that Amendatory Endorsement 6025J was effective July 7, 1988, and was attached to the policy form issued by State Farm to LaRoque.2 It defined a “non-owned car” as “a car not owned by ... any other person residing in the same household as” LaRoque. If there is a conflict between the provisions of a policy form and an attached endorsement, the provisions of the endorsement prevail. Haugen v. Auto-Owners Ins. Co. of Lansing, 191 N.W.2d 274 (N.D.1971). We conclude that Amendatory Endorsement 6025J was in effect on the date of the accident. We therefore review the insurance contract with that definition of “non-owned car.”
The construction of a written insurance contract is a question of law which is fully reviewable by this court. E.g., Cormier v. National Farmers Union Property & Casualty Co., 445 N.W.2d 644 (N.D.1989). If the language of an insurance contract is unambiguous, we construe that language according to its clear meaning. [238]*238Id.; Section 9-07-02, N.D.C.C. If the language of an insurance contract is ambiguous, we apply our rules of construction in Ch. 9-07, N.D.C.C., to resolve the ambiguity. Walle Mutual Ins. Co. v. Sweeney, 419 N.W.2d 176 (N.D.1988); Section 9-07-08, N.D.C.C. Whether the terms of a contract are clear and unambiguous is a question of law for the court. Dawn Enterprises v. Luna, 399 N.W.2d 303 (N.D.1987). A contract is ambiguous when reasonable arguments can be made in support of contrary positions as to its meaning. Id.
A definition of a term in an insurance contract may exclude coverage if the language of the contract, as a whole, is clear. Haugen v. Auto-Owners Ins. Co. of Lansing, supra; Section 9-07-06, N.D.C.C. Here, the policy provides LaRoque coverage for his use of a "non-owned car.” The Amendatory Endorsement defines “non-owned car” in clear and explicit language that expresses one idea unequivocally— that a “non-owned car” does not include a car owned by a person residing in the same household as LaRoque. We agree with other states’ holdings that similar language clearly excludes coverage. Dairyland Ins. Co. v. Beekman, 118 Ariz. 294, 576 P.2d 153 (Ariz.Ct.App.1978) [member of the same household is not ambiguous]; Farmers Ins. Co. v. Plunkett, 687 P.2d 470 (Colo.Ct.App.1984) [resident of same household is not ambiguous]; see generally, An-not., Exclusion from “drive other cars” provision of automobile liability insurance policy of other automobile owned, hired, or regularly used by insured or member of his household, 86 A.L.R.2d 937, § 5 (1962); Annot., What is a “non-owned" automobile within the meaning of the coverage clause of an automobile liability policy, 83 A.L.R.2d 926, § 4 (1962). We conclude that the definition of “non-owned car” is unambiguous and excludes coverage when the insured drives a car owned by a person residing in the same household.
White Tail does not dispute that she resided in the same household as LaRoque and that he was driving her vehicle when the accident occurred. Under those circumstances, we conclude that there is no genuine issue of material fact that La-Roque was not driving a “non-owned car” as that term is defined in the insurance contract. LaRoque’s insurance policy did not provide coverage for the claims by White Tail, and the district court properly granted summary judgment on that issue.
Relying upon Richard v. Fliflet, 370 N.W.2d 528 (N.D.1985), and Hughes v. State Farm Mutual Automobile Insurance Co., 236 N.W.2d 870 (N.D.1975), White Tail also argues that the definition of “non-owned car” is contrary to Chapters 39-16.1 and 26.1-41, N.D.C.C., and to public policy and is, therefore, void.
In Hughes, we considered the validity of a “household or family exclusion” 3 clause in a motor vehicle liability policy. We recognized that the basic purpose of Chapters 39-16 [Financial Responsibility of Owners and Operators] and 39-16.1 [Proof of Financial Responsibility for the Future], N.D.C.C., was to protect innocent victims of motor vehicle accidents from financial disaster. We said that the license suspension sanctions imposed by Chapter 39-16, N.D.C.C., were intended to guarantee financial responsibility for a first accident, in contrast to the requirements of Chapter 39-16.1, N.D.C.C., which were designed to establish proof of financial responsibility for future accidents involving a motor vehicle owner or operator who has already had an accident, or who has been convicted of certain traffic offenses. We concluded that our financial responsibility laws and public policy required a motor vehicle liability policy purchased to avoid the sanctions in Section 39-16-05, N.D.C.C., to provide the named insured, and any other person using the insured motor vehicle with permission of the named insured, with mini[239]*239mum coverage for damages arising out of the ownership, maintenance, or use of the insured motor vehicle. We held that the “household or family exclusion” clause violated our financial responsibility laws and public policy because that clause excluded coverage for a class of beneficiaries suffering damages arising out of the ownership, maintenance, or use of the insured motor vehicle.
In Richard v. Fliflet, supra, we held that Section 39-16.1-11(6), N.D.C.C., which prohibits cancellation of a motor vehicle liability policy after an accident, was also incorporated into policies purchased to avoid the sanctions in Section 39-06-05, N.D.C.C. We said that the basic purpose of our financial responsibility laws would be defeated if a policy purchased to avoid those sanctions could be cancelled after an accident.
In this case, White Tail cites language in our financial responsibility laws referring to an “operator’s policy” [Section 39-16.1-11(3), N.D.C.C.], and to damages arising out of the “operation of a motor vehicle” [Section 26.1-41-15, N.D.C.C.], and asserts that public policy requires drivers to provide insurance for all vehicles which they operate. She argues that this public policy is further evidenced by the criminal penalty imposed by Section 39-08-20, N.D.C.C.,4 for driving without liability insurance in the amount required by Chapter 39-16.1, N.D.C.C. She contends that the definition of a “non-owned car” in LaRoque’s State Farm policy, which she characterizes as excluding coverage for the insured in most situations in which the insured is driving, does not substantially comply with our financial responsibility laws or public policy because that definition does not ensure that innocent victims are protected from financial ruin.
The Oregon Court of Appeals rejected a similar argument in Farmers Insurance Co. v. Stout, 82 Or.App. 589, 728 P.2d 937 (1986), rev. den., 302 Or. 657, 733 P.2d 1381 (1987). In that case, the insured’s automobile insurance policy provided coverage for his use of a non-owned automobile, which was defined as “an automobile not owned by ... any resident of the same household” as the insured. Stout, supra, 728 P.2d at 938. The insured lived with the defendant in her mobile home for approximately five months and was driving her car when they were involved in an automobile accident in which the insured was killed and the defendant was seriously injured.
The defendant argued that the definition of “non-owned automobile” was contrary to public policy and void because it excluded a household member from coverage. She asserted that the policy for Oregon’s financial responsibility laws was to protect innocent victims of vehicular accidents. Relying upon Dowdy v. Allstate Insurance Co., 68 Or.App. 709, 685 P.2d 444 (1984), rev. den., 298 Or. 172, 691 P.2d 481 (1984), a case invalidating a “family exclusion” clause, the defendant contended that any clause in an insurance policy which had the effect of denying coverage to an innocent victim of an automobile accident was contrary to public policy and void.
In Stout, supra, 728 P.2d at 939, the court concluded that Dowdy was not controlling because it
“voided a ‘family exclusion’ clause that excluded from coverage family members residing in the same household when the [240]*240insured was driving a covered automobile .... In this case, the question is whether, under the terms of his insurance policy, decedent was driving a covered automobile. Because he was not, all persons, including household members, who suffered injuries in the accident were not covered under his policy. Therefore, although the non-owned automobile clause has the effect of denying coverage to a household member in this case, it does not fall within the Dowdy analysis.” [Emphasis in original.]
The court went on to characterize the defendant’s argument as requiring an insured’s automobile insurance policy to cover every car that the insured might conceivably drive and, that if that coverage were not provided, the insurance policy violated the public policy of protecting innocent victims. However, the court also rejected that argument because Oregon’s financial responsibility laws demonstrated a legislative intent to allow insurance companies to insure fewer than all vehicles driven by an insured.5
We believe the rationale of Stout is persuasive. In Hughes, we emphasized that the “household or family exclusion” clause excluded an entire class of beneficiaries from coverage when the insured was driving an insured motor vehicle. As in Stout, the issue in this case is whether or not LaRoque was driving an insured vehicle under the terms of his insurance policy. Because he was not, all persons, including household members, who suffered injuries in the accident were not covered under his policy.
We also believe that our financial responsibility laws do not evidence a clear public policy that a motor vehicle liability policy cover the named insured for every automobile that the insured might drive. Instead, we believe our financial responsibility laws demonstrate a legislative intent to allow insurance companies to insure fewer than all vehicles driven by an insured.
Section 39-16.1-11(1), N.D.C.C., defines a “motor vehicle liability policy” as an “owner’s” or an “operator’s”6 policy certified as proof of financial responsibility and issued for the benefit of the named insured. An “owner’s policy” must designate “all motor vehicles with respect to which coverage is thereby to be granted” and must provide certain minimum coverage for the named insured for damages arising out of the ownership, maintenance, or use of the designated motor vehicle. Section 39-16.1-11(2), N.D.C.C. By requiring a designation of all covered vehicles, the statute contemplates the circumstance that there will be vehicles not designated and therefore not covered. An “operator’s policy” requires insurance for the named insured for damages arising out of the use of “any motor vehicle, either unlimited, or limited by excluding certain classes or types of motor vehicles.” Section 39-16.1-11(3), N.D.C.C. This statute also contemplates that an “operator’s policy” may furnish limited coverage by excluding certain classes or types of vehicles.
Sections 39-16.1-09 and 39-16.1-10, N.D.C.C., similarly illustrate limits to insurance coverage. Section 39-16.1-09, N.D.C.C., requires a certificate of insurance to designate “all motor vehicles cover[241]*241ed thereby, unless the policy is an operator’s policy” and if the certificate covers described motor vehicles or is a limited operator’s policy which does not provide coverage for the operation of all other motor vehicles, the commissioner shall designate a license restriction “authorizing the operation of only such vehicles as are covered by the certificate.” Section 39-16.1-10, N.D.C.C., requires a non-resident owner of a motor vehicle not registered in North Dakota to have a certificate of insurance from the state in which “the motor vehicle or motor vehicles described in such certificate is registered.” We believe that those statutes demonstrate a legislative intent that an insurance company may insure fewer than all vehicles driven by an insured.
Our no-fault statutes follow a similar theme and require an “owner of a motor vehicle” to provide “with respect to the motor vehicle ... basic no-fault benefits and the liabilities covered under the motor vehicle liability insurance.” Section 26.1-41-02(1), N.D.C.C. Section 26.1-41-15, N.D.C.C., also specifies that the “owner” must have insurance for damages arising out of the “ownership or operation of a motor vehicle.” Our no-fault statutes thus impose no-fault requirements on the owner of a motor vehicle. See Thomas 0. Smith, “North Dakota Auto Accident Reparations Act” — North Dakota’s No-Fault Insurance Law, 52 N.D.L.Rev. 147 (1976). Our under-insured and uninsured statutes also require an insurer to provide insurance for “any specifically insured or identified motor vehicle” for damages “arising out of the ownership, maintenance, or use of such uninsured [or underinsured] motor vehicle.” Sections 26.1-40-15.2 and 26.1-40-15.3, N.D.C.C.
Although the basic purpose of our financial responsibility laws is to protect innocent victims of motor vehicle accidents from financial ruin, our statutory scheme accomplishes that objective by requiring the owner to purchase insurance coverage for the operation of a designated vehicle. Hughes, supra. See Dairyland Ins. Co. v. Beekman, 118 Ariz. 294, 576 P.2d 153 (Ariz.Ct.App.1978) [insurance policy covers the vehicle]. Section 39-08-20, N.D.C.C., is consistent with the statutory scheme that an owner of a motor vehicle must provide insurance coverage for the operation of that vehicle. That statute provides a criminal penalty for driving a motor vehicle without a valid liability policy and requires the policy to cover damages “arising out of the ownership, maintenance, or use of that motor vehicle.”
The purpose of a “non-owned car” clause is to prevent an insured from purchasing an automobile liability insurance policy for only one designated vehicle at a premium charged for one vehicle and thereafter claiming coverage under that policy for the regular use of other vehicles without paying an additional premium for the added risk. Annot., Exclusion from “drive other cars” provision of automobile liability insurance policy of other automobile owned, hired, or regularly used by insured or member of his household, 86 A.L.R.2d 937, § 2 (1962). Our statutory scheme corresponds with the reason behind the “non-owned car” clause.
We hold that there is no public policy and no statutory requirement that an insured have coverage for all vehicles operated but not owned by the insured.
Accordingly, we affirm the summary judgment.
ERICKSTAD, C.J., and VANDE WALLE, J., concur.
PEDERSON, S.J., sitting as a member of the Court to fill the vacancy created by the resignation of Justice H.F. GIERKE III. Justice JOHNSON, not being a member of this Court at the time this case was heard, did not participate in this decision.