Mmm, my broker seems to concur with you Ban, and would give me fully comp. in someone elses car. However, if the minor I nominated as the legal owner took the car out and wrote it off, the underwriter apparently wouldn't pay out on my policy, but would if I wrote it off. To be comprehensively covered literally would need the minor as a named driver on the policy which would be a non starter due to age and non qualified status. I would be comp. covered, but the car wouldn't. Or something like that!