The insurance paid for a particular car is valid for any driver, provided that the person is holding an effective driving license at the time of the accident, and is not disqualified from holding or obtaining such a license.

So if the person owning the car gives it to a driver who is careless or inexperienced, who is involved in an accident, the premium amount to be paid will be increased

It is also applicable for a person who has obtained an effective learners license, and the person satisfied the requirement of rule 3 of the central motor vehicle rules 1989