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No, you don't need everyone listed. You just need the age of the youngest driver, so this being your son at 18.

No CTP won't cover anyone who you haven't declared a driver. I'm 18 and my greenslip is something like $632, and that's with the car registered in my parent's name. Reason for this, even though we may be good drivers we have less experience and more accidents. (well that's what i've been told)