No. At 16, you're still considered a juvenile in the eyes of the law. As such, you can't enter into a legally binding contract, which is what an insurance policy would be in effect.
Not to mention that a 16 year old would pay an outrageous amount of money for insurance, as that bracket is the highest risk.
You can, although most insurance companies will not. if they do you will be paying stupid amounts of money for 3rd party only . On my 16th birthday i got insured on my 1.3L VW polo on my own, my parents didnt even know. Though it did cost me £1459, for 3rd party only, rightly so as a crashed 3 days after passing my test haha. didnt beat my brothers record of 2 hours though. I personly don't think 16 year old males should be allowed on public roads =p
A minor can not legally enter into most binding contracts As a result a parent or guardian is usually required to approve or authorize a contract by signature. So Although, Yes,, they can obtain Auto Insurance Without the parents listed as named insureds on the insurance contract, However, A parents signature will still be required on the insurance application authorizing the minor to enter into the contract.
Yes, you can take out a life insurance policy on a parent. There must exist insurable interest between the owner and insured of a life insurance policy. There does exist insurable interest between spouses, parents and children, and siblings. So, yes, you can buy life insurance on your parent. Your parent may need to sign the application, answer some health questions, or take a medical exam to qualify for life insurance.
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