The quotation needs to distinguish the vehicle owner, registered keeper, policyholder and main driver. If a new driver is the principal user, that usage is relevant even where a parent owns the vehicle.

How insurers commonly treat this

• Some insurers accept a main driver who is not the vehicle owner or registered keeper; others impose restrictions.
• The main driver is based on actual use, not on which person produces the lowest premium.
• Misstating the main driver can amount to fronting.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.