What's the definition of 'main driver' when getting insurance quotes?

It's coming up to my insurance renewal and I'm getting the usual quotes. One question I always struggle with is when they ask who is the main driver. I and my wife are named on the policy. My wife drives the car on more occasions than me to town or to work but when we go on longer journeys, including to the continent, I drive. So in terms of miles covered I am the main driver and in terms of the number of separate journeys, she is the main driver. We both have a clean driving history so what difference would it make?

Asked on 12 February 2019 by gasengineer

Answered by Tim Kelly
Your wife is the main driver. The main driver is the main user of the vehicle, i.e, the person who uses it more regularly.
Similar questions
My 18-year-old son has been a named driver on our car insurance for 18 months or so without incident. He recently started a job as a delivery driver for Waitrose, driving a Sprinter van. He works part...
My daughter (aged 24) is buying her first car. She has driven for six years with no convictions or claims. She has recently moved to Manchester and the cheapest quote on a comparison site she is getting...
I have nine years NCB up to April 2018. Normally I would be able to use this within two years on a new policy. After 18 months living abroad, I am returning to the UK and buying a car. Can I still use...

Value my car