… but cwa0513 clearly knows more about specifics of coverage than I do, so I am sure could give you a better answer. But I believe insurance also follows the car, not the driver. By that, meaning that if you lend your car to a friend, co-worker, etc. and they get into an accident it is *your* insurance that will pay the claim, not theirs. So, it will be your premiums etc. that will go up, and your assets which will be attached if the damage exceeds the claim.
I am sure cwa0513 can clarify that, but that is my understanding of what is meant by insurance following the vehicle, not the driver. I am also not sure where you would stand in the case of an unlicensed driver borrowing your car and being involved in an accident.
Also, I am not sure how insurance works when test driving bikes, perhaps cwa0513 could clarify that as well. I know whenever I have gone for a test drive they make a copy of my insurance card and write down the policy number and contact number etc. In cases such as a test drive, does the insurance follow the rider and not the bike? Or is this only in the event that claims exceed those covered by the dealers insurance so that they can go after your insurance beyond that?