Does Car Insurance Cover Occasional Drivers? 
Yes . As long as the driver is licensed and has the owner 's permission to drive the vehicle . But the term `` occasional '' means different things to different companies . Some companies are more strict about it than others . The rule of thumb is : list everyone living in your household that is above driving age . And list anyone else who does n't live with you , but has regular access to your vehicle . A lot of people get burnt on this because they try to hide their high school aged kids from being on their policy ... . Huge mistake ! 