Depends on your insurance, I am coming to that situation myself. I plan on calling my insurance agent
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
If the 16 year old grandchild lives in your home or drives your vehicles then yes you are required to add him or her you your insurance as a primary or secondary driver depending on how much they drive.
You have to wait 6 months after you get your licence.
This question does not make sense but looking at the gist if it I would definitely sat that the answer is no. Covered for what exactly? You get permission "from" not "with".
you call a 16 year old girl a 16 year old girl
it depends on if its a 16 year old boy or 16 year old girl
Not without the permission of the parents of the 16 year old.
The 16 year old has to have parental consent.
No
it is not illegal for a 16 year old and a twenty year old to be together in England
Probably the 16 year old, depending on how much he/she has learned. The 5 year old may be more intelligent, or notices things the 16 year old doesn't though. Remember, the 16 year old has had 11 more years to learn.
It is illegal for a 16 year old to date a 28 year old man!