Exceptions to Unlisted Driver Protection coverage
Some types of unlisted drivers are excluded from Unlisted Driver protection. Even if you have the coverage, you could face a one-time financial penalty if a crash is caused by an unlisted driver who is:
Driving without a valid licence
A household member or employee of the principal driver
A household member or employee of the registered owner or lessee
A family member or friend who regularly drives your car
Responsible for causing a previous crash in any of the registered owner's or lessee's vehicles