At this time, you’re probably more nervous than we are. If they own the car, they need to be the policy holder. If they are driving your car, just add them as a listed driver on your policy. If you don’t list them on your policy, and they have a bingle, the unlisted household member or unlisted regular driver excess will be applied. To learn more about excesses take a look at How much will my excess be?
This article only applies for provisional drivers (P-platers), if you need information for a Learner permit driver check this specific article for Learners - Do you cover Learner Drivers?