If the car is already insured it should cover any driver

There are 2 types of car insurance in the Philippines. One is compulsory and you have to take this out every year when you registrar the vehicle. Costs virtually nothing and is worthless if you are involved in an accident

The second is comprehensive insurance taken out using a private company. This insurance should cover any driver, no matter how old or how much driving experience they have. I have never heard of someone being named as the sole driver on their insurance policy here in the Philippines.