And that'd help the hundred of thousand genuine people how? I'm named drive on dad's Panda, but got my own policy on my own car, so am not fronting, and this would screw me over, same with mum being insured on dads car and dad on mums.
Thats what they already do. Its all statistic based on A) the driver and then B) the car
Is that not what being a named driver is?
Policy holder: Member 'A' in my household may possibly drive the car.
Insurance co: Ok sir, we'll add them as a named driver - That'll be a further £139 on your policy to pay then please.