In Australia, you insure the car, not the driver, but the drivers you list affect the price. Unlike some countries where insurance follows the driver personally for any car, Australian car insurance policies are attached to a specific vehicle identified by registration number, VIN and make and model. The policy covers that car regardless of who is driving it, as long as the driver is licensed, not excluded, and meets the policy conditions. However, insurers ask you to list regular drivers, their age, gender and driving history, because risk is based on who drives the car most. If you list a 20-year-old son as a regular driver, your premium will be higher than if only a 45-year-old with rating 1 drives it. Most comprehensive policies allow any licensed driver to drive your car with your permission, but if the driver is under 25 or under 21 and not listed, you will pay a higher unlisted driver excess of $600 to $1,200 extra on top of your standard excess. Some cheap policies like Bingle and Rollin are driver-restricted, they only cover listed drivers plus a small number of occasional drivers, and if an unlisted driver crashes, you may not be covered at all. For Compulsory Third Party insurance, it also follows the car, it covers personal injury caused by that car regardless of driver. So you insure the car, but you must declare who drives it, and you can get personal cover from premium roadside assistance that follows you as a person in any car.
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