Who is the primary driver?

Pootle1

My wife drives our car everyday. She makes the most journeys and most weeks she drives the most hours. I do the long drives at weekends and on holidays and drive the most miles.

Who is the primary driver?

thanks

Faith177

I would say your wife is the main driver as she uses it most days

Nasqueron

Ask the insurer before you pay, get them to put in writing which one to put down in case there is any issue later

ThinkingOutLoud_2

Most days, most hours, most journeys seems fair.

Your more miles sound like they are more major roads / motorways and so are probably lower risk by comparison, if I assume your wife drives locally in town mostly (hence more hours in traffic). More accidents occur where it is busier, there are more junctions / turns / time pressures)

You could always ask the question to your insurer, if you wanted more comfort.

EdGasket

I had the same issue and asked the inurer who would be the main driver; they were useless; just said I must state who the main driver was, like a flippin parrot!

trailingspouse

I had exactly this conversation with Green Flag yesterday!! I was adding a third car to our existing policy, and they asked who the main driver would be. I said we would both be driving it, but she insisted that I pick a 'main' one, but confirmed that we would both be covered anyway. So basically it's a pointless question.

I know in car insurance the risk is based on who the 'main' driver is, but I also know that lots of people get away with (for example) saying a parent is the main driver when actually it's the son. Proving again that it's a pointless question.

OH and I own a car each, and we are named drivers on each others policy. When we are out together, I generally do all the driving, whether we're using my car or his. But for work he has a longer commute than me and so does more mileage during the week in his car. I'm probably the main user of my car, but it's probably pretty close to 50:50 on his car. And how would the insurers prove it anyway? It's not like we write down how many miles each of us has driven!

Why not just base the risk on the fact that the car could be driven at any time by anyone named on the policy?

Andy_L

Rawhammer wrote: »

put down whoever will lower the premium more imo

or alternate between you to build/maintain NCD

trailingspouse

Andy_L wrote: »

or alternate between you to build/maintain NCD

It's the policyholder who earns the bonus, not the main driver, so changing who you name as the main driver wouldn't help.

System

trailingspouse wrote: »

It's the policyholder who earns the bonus, not the main driver, so changing who you name as the main driver wouldn't help.

Not always. Some companies will transfer or give another NCD to a named driver.