AAMI require occasional drivers to be listed, for the pulsar. No effect on premiums but obviously occasional driver has a limit to how often you can drive it.
If you were driving and it was damaged, the insurance company could definitely knock it back. If your parents claim for theft damage and say they parked it at the shops and it was broken into it might be ok.
knore, when you claim on insurance the company asks how the car was damaged. If your parents say they crashed it, they get a blot on their driving record for 5 years. If they say you crashed it, the insurance co says "hahahahaa, ok bye". it's not a simple matter of dodging the system, if the insurance co finds out they'll refuse to pay the claim and that'll be that. They're a business after all, not a charity. If your suggestion works consider yourself lucky!