According to Car Insurance Comparison, a vehicle can be added to an auto insurance policy even if the vehicle is not in the policy holder's name. This is a very common practice.
According to Car Insurance Comparison, adding a vehicle to a policy requires that the insurance company agrees to add the vehicle. When the vehicle is added, only the policy holder is covered, not other drivers or the owner of the vehicle.
Car Insurance Comparison states that anyone added to the policy with a poor driving record will cause the insurance premiums to increase. Drivers under the age of 27 will also cause premiums to increase.