Hi, My son has just bought a car (tradie ute for $6k) and is about to sit his 'P' test for a car here in NSW. Seeing there are alot of younger folk on here, l thought this place would be a good place to ask; What/how do most 'P' platers get insurance (full-comp) without paying exorbitant annual premiums? I accept that there will be huge excess cost, but the annual fee is up there. I mainly want the car covered for theft & fire , as l know if he crashes the excess will be big $$$. I have been told to register the car in my name (as l am over 45, and have a 60%ncb regarding insurance), then list him as an additional driver. I have done this getting a few quotes online; however, as soon as l add him as an additional driver, the premium increases by around $1000 per annum. Someone suggested that l take out insurance in my name and not to list him, if l need to make a claim, l have the standard excess; however, if he has an accident as a non-listed driver, the excess is about $2000, although my yearly premium remains low.