I assume the idea, is that even if not licensed there is a risk that they could take the car without the parents even knowing.
Yes.
It’s referred to as “access”, permissive or not.
If that is the case they should ask for the ages of all children and anyone living in the house when the policy is sought and explain why.
If one has a 10 year old it may not be relevant at the time, but at renewal time when it becomes relevant the insurance company should be responsible for flagging the change and noting the excluded driver.
I report when my kids get a learners permit, but that itself doesn’t up rates here. I trust the companies are able to make up for the low permit rates by what they charge when the kid becomes licensed.
Would this then apply to the 14 year old “teen” living three blocks down the street, who just might steal your car tonight?
I thought the concept of insurance was to insulate you from exactly these occurrences. Guess it’s just to send checks to insurance companies for nothing.
>>>I assume the idea, is that even if not licensed there is a risk that they could take the car without the parents even knowing.>>>
That would be my guess. A risk they have to factor into writing and pricing the policy even if the person doesn’t drive, have a license, etc.
does this apply to adult relatives who live in the home?