Does anyone else have experience of the following and can advise please? I need actual advice (not judgement) from anyone who may have been in this situation themselves.
Ds has a marmalade policy as a young named driver on dw's car. He passed nearly a year ago.
One condition of the policy is that ds does no more than 50% of the total journeys as the driver. I did not want the policy because of this but dw insisted for various reasons and planned to use the car enough to make the policy work.
I've realised that with a month to go on the policy, ds has done a little more than 50%. By a few hundred miles, I think, although I can't be 100% sure.
What do we do? I think we should phone marmalade and discuss. Dw is worried that if we do that it may open a can of worms.
I've told ds that under no circumstances is he to drive the car for the time being. The last thing I want is him having an accident and not being covered as that would obviously have legal consequences.
Dw's plan is to spend the next week (ds is off school) driving the car and doing lots of extra journeys to make up the mileage. I'm not sure this will wash with marmalade.