Second car insurance conundrum

Samdy_Gray

For the last five years or so, my wife and I have shared one car. She is the owner & registered keeper. The car is insured in her name (policyholder & main driver) with me as named driver. We (she) have 6 years NCD.

We have just bought a second car, which is for her. We want to both be insured on both vehicles. Our existing insurer (Churchill) have quoted £600 to insure the second car, but comparison sites show it's possible to insure it for around £350. I understand that any policy for the second car will start with 0 NCD.

To keep things on the straight & narrow, we've spoken to Churchill about changing the policy on the first car to have me as the main driver and this can be done for a few £ extra per month. My wife will remain as the policyholder though.

Now, the conundrum is this. The first car as already stated is in my wife's name. The second car will be in my name. Is it legit to have the cars insured as follows:

Car 1
Wife is owner & RK
Wife is policyholder, me as main driver, wife is named driver

Car 2
I am owner & RK
Wife is policyholder and main driver, me as named driver

It's seems a rather complicated way of doing things, but it seems to be the cheapest solution as I have 0 NCD so having a policy in my name would bump up the cost.

Notmyrealname

Phone up Chris Knott. They do specialist second car policies that will give a discount equivalent to the NCD on the first vehicle.

Nearly_Old

We had a similar situation when we bought another car as originally we had:
Car 1: Owner, RK, Policyholder and main driver: me with my wife as a named driver. 10+ years NCD

Car 2: Owner and main driver: my wife with me as the RK, Policyholder and a named driver. 10+ years NCD (I'm the RK as sometimes she is not that efficient with paperwork!)

For the additional car our insurers suggested putting in my wife's name as although there would be no NCD (new policy) they could give a discount equal to full NCD. In each subsequent she gets 1 year NCD and the discount reduces so we effectively we pay as if we had full NCD. So we ended with:

Car 3: Owner, RK and main driver: me with my wife as the Policyholder and a named driver.