Oddly enough, in MA it is the opposite of what Toys said here. If you have the same address as that on the registration of the vehicle and you are related to the registered owner, you MUST be listed on the insurance policy. Mind you, you could be listed as a 10% driver, but you must be listed on the policy for that vehicle.
So, india, I would check with the company that insures the vehicle as to the specific requirements for you while you live under your parents roof if you plan to drive their vehicles.
steviej