If an unlicensed driver has an accident driving your car?

Any damage would not be covered by your insurance company especially if you gave them permission to drive it. Now if it was stolen....but you probably wouldn't want to say that, might get your unlicensed driver a criminal record.

To add to that, if you say it was stolen and it is not and you don't roll over on the unlicensed driver, you will be investigate for insurance fraud and if they catch you, you will be denied on the claim and could possibly face criminal charges yourself.