>> your making this too complex. Its boils down to three things ...>>
Yes, I see that, but do you mean that automatically becomes the case? On Quotezone I filled in details for the 3 drivers - self, wife, daughter, and then it asked for main driver. I could tick any of the three, regardless of which was the proposer.
Is it cheaper to have a safe proposer with a risky named driver, or a risky proposer with a safe named driver? I suppose the former, because she can use her NCD, but on the other hand my daughter would then not accumulate her own NCD?
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Insurance - main driver = proposer? new
Insurance - main driver = proposer? new