Sure, as long as you have your drivers assigned to the vehicles they drive then they can drive any other vehicles in the house.
Were they a named insured in the Household? By most companies, if you are rated in the household, you may drive any vehicle in HH. Yes, coverage should still apply to the vehicle however I would try to get the title of the car changed out of the name of the deceased party's name as soon as possible.
How often is this person driving the vehicle, do they reside with you in the household? If you answers often and yes - and they are not on the policy, they should be a named driver in order to be covered.
Yes, it should be no problem in the U.K. Your daughter can be on your insurance as a "named driver", it matters not if she lives at your address or not. I am a named driver on my mother in law's car, so in the event of her having a problem, I can drive her car for her.
Yes, most states allow drivers to be excluded.
To obtain insurance to learn to drive, you can be added as a named driver on a family member's policy or purchase a learner driver insurance policy. These options allow you to practice driving legally while being covered by insurance.
Nicole Randall Johnson
Yes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
Some companies will allow the named insured to be excluded as a driver. Remember that an exclusion means that you will not be allowed to drive the vehicle and if you do then there is no coverage at all if a claim occurs. You will also have to have anyone who is going to drive the vehicle listed on the policy as a driver. You can't have a policy without a driver listed on it.
In many states, you can sign a "named driver exclusion" which will lower your premiums but which will exempt your son (or whomever) from coverage under your policy. Obviously, once you have signed the named driver exclusion, DO NOT let your son drive your car - - if he has an accident while driving, you are going to have serious problems.
You can certainly talk to your insurance broker about it, but I believe that it would be simpler for this unrelated person who doesn't live in the same household to obtain his or her own insurance, rather than being added to your policy.
If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the owner of the car has insurance on it. Unless the person is part of the household and has been deemed a non-covered driver by the car owner's insurance company. Let's say father has insurance on car. Son live's in house, however has been revoked or has a horrible driving record. Son has permission by father to go to store. Gets in a wreck, doing injury and insurance company had son named as not a covered driver. No coverage then.
Ajax