Apia covers anyone who drives your car (if they meet our underwriting criteria), including learner drivers. However, if a driver under 25 years of age is driving, using, or in charge of your car at the time of an incident, you may need to pay an additional ‘Drivers under 25 excess’ of $1,500.

If you expect someone to drive your car on a regular basis, you’ll need to list them as an additional driver.