If your boyfriend got into an accident with your car without an active drivers license but with an active car insurance what will happen?

I am not positive but I would guess that (saying your BF is At Fault)

1) Your insurance will not cover your car since it was driven by someone without a liceance

2) Your BF's insurance is not valid since he does not have a drivers liceance (even though it is active)

3) You will be personally responsible for the damages to your car and your BF will be responseable to any damages he has cause during the accident.