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In Australia, car insurance follows the vehicle — not the driver. If you drive someone else's car, you are typically covered by their comprehensive policy, not yours. However, if you are not listed as a driver on their policy, an unlisted driver excess will usually apply, and in some cases cover may be reduced or voided.
An unlisted driver excess is an additional amount charged on a claim when a driver who is not named on the policy was driving at the time of the accident. These can range from $500 to over $2,000 depending on the insurer and the driver's age. Young drivers not listed on a policy typically face the highest unlisted driver excesses.
Contact your insurer and request to add a named driver. You'll need to provide their licence details and driving history. Adding a young or inexperienced driver will typically increase your premium. Some insurers offer a 'nominated driver' policy where only listed drivers are covered and an exclusion applies for all others — useful for households with multiple drivers.
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