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.
10 year-olds have been caught driving their parents’ cars.
There have been cases of very young siblings teaming up to drive a car.
One on the pedals and one on the wheel.