Having a 'discussion' about this with a mate. I have two cars, Zed for sunny days and a work horse for the motorway miles so I have both cars insured under my name, gf is named on both if she needs to drive them. As only one of them is out at any one time I feel it is correct to have me as main and her as named on both. She has her own car insured in her name.
Mate has bought his wife a little car for her and the his infants daily use. He has car already in his name for work but he has insured both cars in his name with her as named driver.
Forgive me if I am wrong but isn't that fraudulent use of insurance if she is the main driver? He is convinced as the car is his he can do this. The main reason is she is young and very expensive to insure. By having him as insured and her as named he is avoiding paying the correct premium as she will be main driver and therefore liable to have the insurance invalidated at time of a claim when they ask why she was driving and she says I always do.
He is arguing his insurance never questioned it but I pointed out he has claimed they are both his.
Whats the score to be on the safe side here?