Truth will set him free

天天怕這怕那，瞞這瞞那，累不累？掉不掉頭發？

A Named Exclusion May be Cheaper

Adding a teen to your policy can be very costly, especially if your car is expensive or considered high risk. If your teen has his own car, it may be more affordable to designate the child as a "named exclusion" on your policy and then purchase an additional policy in the teen's name that insures only his or her car. However, keep in mind that, under this arrangement, your child won't be covered if he or she drives your car and crashes.

https://www.infinityauto.com/knowledge-center/understand-insurance/should-i-add-my-teenage-driver-my-auto-insurance-policy