Who counts as the main driver of a vehicle - the person who does the most miles or the most single journeys?
I was reading about the five most insurance "fibs" and one of them is fronting when, say a parent, puts their name first and the son/daughter as an additional driver to save money. We all know that the person who uses the car most should go as the main driver, but this is where my confusion lies. Is the person that does the most single journeys or who drives the most miles? I as a parent could make 24 long journeys a year tootling 6000 miles, while my son could make 400 journeys a year totalling 4000 miles. I'd say I use the car most. I have not done this as I got my son a premium of just over £1000.
Asked on 18 January 2019 by gary
Answered by
Tim Kelly
It is whoever uses the most in frequency, not in mileage. In your case, that would be your son not you. So you have done the right thing in having your son insured on his own car.
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