In the UK you must pay extra to put another person on your policy as a "named driver". And of course how much you pay depends on the person and the kind of the vehicle it is, so if Dad has a car with an insurance of group 20 (the highest level, all the expensive cars are group 20s), it's going to be very difficult (if not impossible) to get his 17-old son insured on it (unless maybe money is no object). I think people can only drive other people's vehicles (with their permission of course) without being a named driver, if their insurance policy covers this, of course most young drivers probably don't have this because they already have to pay a lot for insurance. But say if example, if I came to visit you, Neptune, and you let me drive your car, would that be legal (of course I have a full UK driver's license)?

One question:

At what point does the learner driver in North Carolina have to take a driving test?