Most insurance companies require you to list all of your household residents. With those who are licensed (or of driving age), your insurance company will give you the choice of listing them as 'eligible' to drive or 'excluded' from driving. If they are listed as 'eligible,' they will be rated against your policy's premiums. If they are 'excluded,' they will not be rated against your policy's premiums; however, you are accepting full responsibility if you let them drive - even once and no matter the circumstance. Now, the example you gave me is an entirely different issue. Besides household residents, your insurance company wants to know who will be driving your vehicle with any regularity or frequency. If someone is going to be driving your vehicle with any regularity or frequency, that person will need to be listed as an 'eligible' driver on your policy. The insurance company will cover someone who does not reside with you and you let the person drive it for a 'one-time' thing.

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