Can you drive your boyfriend's car if you are not on the insurance in Australia depends on his policy type, but generally yes you can if his policy allows unlisted drivers. In Australia, car insurance follows the car, not the driver, so his comprehensive or third party property policy covers the car regardless of who is driving, as long as driver is licensed and has permission. Most comprehensive policies from NRMA, Allianz, AAMI, QBE and Suncorp allow any licensed driver to drive with permission, but if you are under 25 or not listed as a regular driver, you will pay an additional unlisted driver excess of $600 to $1,200 on top of standard excess in a claim. So you can drive his car even if not listed, but if you crash, he pays higher excess and loses no-claim bonus. However, some budget policies like Bingle, Rollin and Youi budget options are restricted to listed drivers only, meaning if you are not listed as a driver, the car is not covered at all if you crash, and you could be personally liable for tens of thousands in damage to other cars. So you must check his Product Disclosure Statement under drivers or permitted drivers. For Compulsory Third Party insurance, which covers injury, you are always covered regardless of listing. Best practice is to ask your boyfriend to add you as a listed driver, which many insurers allow for free or small fee, especially if you drive regularly, and ensure you are licensed, sober and have his permission before driving.
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