Thanks Serendipity .... a few of my FB friends responded to my question as well and they live in my province and currently have teenagers and with their insurance they had the option to have a policy that only covered persons over 25 years of age to drive the vehilce ... therefore their teenage children could get the license but were not able to drive the vehicle cause they would not be insured than if they wanted them insured than they could lift the all drives of vehicle must be over 25 provision and than 'add' the teenager to the policy as an occassional / secondary driver and pay the extra premium associated with that which is only like $30-40 a month as long as his record is 'clean' which we would pay on ours no problem so he could get experience driving and help to lower his premium when he is old enough to get his own ... just going to call to double check myself in the morning but am thinking my stepson should be able to get his license than without their permission or affecting their insurance ~ they just have to not 'add' him to the policy and ensure he does not drive their car.