I remember some years ago about trying to get a an insurance company to define what is a main user. Time, miles, trips, claims...... etc
The discussion started when they said that my daughter (who was a student with her own car and policy) would be regarded as the main driver of our second car if she took it away for a weekend. Using their logic, I pointed out that at at any point in time the driver could be defined as the main user if they attempted to shorten the time period to a short enough period!
Fortunately I was able to speak to an underwriter who was willing to take a more pragmatic view that since it was an annual policy, integration over the period of the policy was 'probably' a better interpretation. I suspect however that the view is probably likely to be (retrospectively) more dependent on claim history than anything else.
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Insurance - main driver = proposer? new
Insurance - main driver = proposer? new