If you are a listed driver on an insurance policy then your characteristics will be considered in the rating of the insurance policy. Under some circumstances a listed driver will have very little if any impact on the premium. In other cases a listed driver will impact the premium significantly. Many insurance companies require that all licensed drivers in a household be listed and proper premiums be paid or excluded, in writing, from coverage. If you decide to exclude a licensed operator then there would be no coverage for that person on the insurance policy. I personally know of a situation in which an excluded person was allowed to drive the car to church on Sunday. There was an accident and all coverage was denied by the insurance company.
No, insurance does not always follow the owernership of the car unless you and your friend live in the same house and you have your driver's licence. If you tell the insurance company that you are not going to drive the car at all time and main driver is your friend, then you do not have to be under the same insurance.
If your insurance company allows you to do this, you will also need to have another driver listed on your policy. This is mandatory because the learners permit only allows you to drive under the supervision of a properly licensed driver. They will have to be listed as a driver on the policy as well.
They have to be a listed driver on your insurance coverage.I pay extra for this!:I may lend my car to a person for a very limited amount of time ( Maximum 24 hrs ) without adding them to my coverage as long as I know they have a licence and are over 25 years of age. Otherwise:I have to notify my insurance company and provide name and drivers licence # for them to be covered. That is the only way another driver can be covered to drive my car.You need to call your insurance company and ask!
If you are a listed insured on your siblings policy then yes, you can certainly drive it. If you are not listed then your sibling needs to contact their insurance agent and ask if you are covered or not. none is allowed to drive a car illegaly without licence or a permit of a parent/guardian, if you have a licence ,then it is good ,other wise you should not drive the car
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