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About insurance for "children" that drive the car of their parents, usually it is allowed except if it is explicitly forbidden (e.g. for some company-cars only the employee that "has" the car can drive it, or also the wife/husband in some case, but not other people).
In my personal case, my father just notified the insurance broker that I would learn to drive on the car (and so drive it
) but it did not change its price I think. On the other hand, the car was a Peugeot 205, not a luxury SUV 
About insurance for "children" that drive the car of their parents, usually it is allowed except if it is explicitly forbidden (e.g. for some company-cars only the employee that "has" the car can drive it, or also the wife/husband in some case, but not other people).
In my personal case, my father just notified the insurance broker that I would learn to drive on the car (and so drive it
) but it did not change its price I think. On the other hand, the car was a Peugeot 205, not a luxury SUV