Named driver on insurance

[Aparecium]

Ds is the named main driver on his car insurance. He put me as a named driver because it reduced his premium. Does this mean I should actually drive his car from time to time?

How would anyone know if you did or not?

No it isn't. Fronting would be if the parent was named as the main driver but actually the son was.

No it would be fronting if the OP was named as main driver and not just an additional one. I am a named driver on my DSes insurance. It means I could legally move his car off the drive etc. if I needed to. I don't drive his car regularly.

I'm a named driver on 3 cars , never driven any of them .

That is not fronting.

My mum has been a named driver on my car for 20 years. It means she would be fully insured to drive my car, but rarely does.

Fronting would be if you were named as the main driver, but your son was the only one driving it.

No it's not. Fronting is where you put someone else as the main driver to get a cheaper price.

OP you are fine I was in DH insurance for year and only drive his car once in an emergency as I had my own car. So long as the main driver is your DS you are doing nothing wrong. Most people have named drivers on their policy who rarely use the car.

No it's not. Fronting would be if OP was a named driver but was actually the MAIN driver.

Read it wrong sorry everyone!
If you're a named driver then you're insured to drive it, doesn't mean you have to.

No, you don’t have to drive it at all.

Double check though, when ds took his insurance out last autumn it was cheaper I have DH and me on the policy. He looked last week and it’s now cheaper for us not to be on there - he had over £200 back!

🤣 the clue is in the first sentence.

Thanks. It suddenly occurred to me that this might be a sort of reverse fronting.

Absolutely no reason you need to drive your DS’s car at all, it can be just there in case you need to drive it in an emergency. I’m on multiple policies but only the main driver on my own

You're fine. I was on my Mum's insurance for years but only drove her car a handful of times on odd errands etc.

We've got 3 cars between 3 adults. DS is insured as a named driver on mine and is the main driver on his. DH and I are both named drivers on DS's car and I'm a named driver on DH's. I very rarely drive anything other than my car but maybe once a year when cars are in for a service we swap cars so people can get to work.