Main driver ????

Sea_Shell

What constitutes being the "main driver"?

a. Frequency of use (short commute) or
b. Annual mileage driven (holidays & weekends away)?

Would each insurer have their own interpretation/definition?

What if it's genuinely 50/50?

Morph4610

Sea Shell, you'd have to check with each insurer. Very rarely it is genuinely 50/50. Key question is whether you have any other vehicles and who drives them. What's your circumstances?

fatrab

If I drive the car 5 days per week and my wife only drives it 2 days per week - I'd say I'm the main driver, regardless of mileage covered.


Depends on your circumstances I suppose.... Phone your insurer and ask them.

System

It must depend on the type of mileage, surely?

5 days per week doing local trips, or
2 days per week 200 mile weekly commute?

Sea_Shell

We're thinking of going down to one car (DH's), but i'd be using it 5 days a week, but only a 6 mile round trip commute. DH does ALL the other driving, weekends, holidays, shopping, which over the course of a year will probably outweigh my commute. We estimate our total annual mileage to be approx. 6000. (and yes, we have a petrol!!!)

fatrab

Who drives the car most in peak times might be another factor? I'd call your insurer and ask, we're only giving our opinions and different insurers will have slightly differing criteria.

Zorillo

You'd be the main driver, in my opinion.

martinthebandit

In the situation the OP describes my answer would be whichever worked out cheaper

lofielectronic

A quick search brought up a thread from 2008 with the same question and in that the only answer was to contact your insurance company and ask them.

Seems this may be the only way to get a useful answer. If you do contact them, let us know what they say.