Quote Originally Posted by geeang View Post
Your insurance policy is for your dad, you are covered but it does not mean you're holding an insurance policy.

So no, there is no impact on your rating. The only change that will happen in a few years is you'll get older, which generally makes insurance cheaper anyway (depending how old you are now).
This shit's confusing... with justcars, if you put down you've had your license for 4 years + 0 claims, you get rating 1, even if you've never had insurance before.
I called up AAMI and they said the youngest driver on the policy's rating moves up every year. The chick i talked to was dumb as hell though and was just talking garbage, especially when i asked her about mods aftewards, so dunno how accurate her info is.