Can a named driver use the car more than the policyholder?

Insurers price risk partly around who uses the car most and who is effectively responsible for it. The correct main driver is a factual question based on the real pattern of use.

A spouse or partner can legitimately be a named driver and may use the vehicle frequently. The problem arises when the policy is arranged to make a lower-risk person appear to be the main user when that is not true.

If the pattern changes, tell the insurer and ask whether the policy details need updating.

The key fact is who genuinely uses the car as the main driver. A named driver can use the car frequently, but misrepresenting the real main user to get a cheaper quote can amount to fronting.