You might not get cover for them for the 1.8 or 2.0. Check with your insurer. If you can't get cover then best to swap one of your cars for something like a Citroen C1 with a low insurance group, then consider who will be the main driver. If it will be one or both of the boys, you have to declare that, otherwise the insurer will consider it to be 'fronting'. But if you insure it in one of their names with the other as a named driver, and also you and your husband as named drivers, the 'risk' to the insurer is less than if just with the boys as named drivers and you will save a bit. The insurance will go up a lot when they pass their tests and can drive unsupervised, because then the risk increases hugely.