Youth driver operating vehicle not on policy?

[Little Dutch]

Who's the Primary driver of this vehicle?
Which Vehicle will this person be driving primarily?

I recall those being the two questions that get asked when switching insurance providers, adding a vehicle, or adding a person. If either have changed the insurance provider likely wants to know.

[MED]

When my son started driving, I setup the vehicle I was going to let him use on a different policy because I didn’t want to pay for him or take the risk on the policy with all my vehicles and home. I did go in and notify my agent that there was a teenage driver in the household but he had his own vehicle and insurance (gave them a copy of the declarations doc); they were good with that, and I never had him on mine. I have no idea what your carrier will or won’t accept, but I definitely would have concerns from the grandparent’s side; he should be on the policy of the vehicle he is using. Also, when my son started driving, I opened an umbrella policy as well. There is a huge liability concern with teenage drivers; is the grandparent ready for that?

EDIT: The policy I set up for him was with a different carrier, and it had me as the primary with him as the secondary....too expensive to just have him alone. i showed him the cost up front, and it was understood that if he did anything that caused the rate to go up that it would be cancelled. He wouldn't be able to drive until he could pay the insurance on his own so he knew the consequences for his actions from the start.