im surprised you can be listed as a 2nd driver, i was 20 when i got mine and they didnt let me. but im with just cars, no claims so far but it good too know they are backed by aami.
as for famous or coolandyoung. i know when they were called famous they didnt meet the australian insurance standard, not sure what its called, but basically if they didnt want to pay you out or cover you, you hav no to to complian to, ie consumer affairs.