I get that, but if my wife is not able to drive and doesn't have a license? How can it be less of a risk to have her as a named driver? I'm not really arguing the point, it's just one example of how rigged the whole scam actually is.
Most require the license details of the named drivers before they will add them to a policy now. Your case mayjust a hang-over of an old policy I'd imagine.
As an aside, have you been with the same insurer all that time? If so you've almost certainly helped them play their game of extracting as much money as possible from their customers. They are a business after all, maximising income per customer will be a priority.
Insurance is a statistics driven business. If you understand the levers and can adjust to your advantage, then you should get a better deal.
