To us Australians, the British system of car insurance is strange indeed. My daughter went to England in 1996, as a nanny, and her employers had to pay extra insurance so that she could drive their car and, if memory serves, it was around an extra 300 pounds.
Here, we insure our car, and any licenced driver can drive it, with the owner's permission, at no extra cost. Premiums are calculated based on where the car is regularly garaged, and such factors as traffic density and crime statistics, such as car theft and vehicle vandalism, are used in those calculations. Regular alternate drivers are named in the policy but, as I said, any licenced driver can drive the vehicle, unless, of course, they happen to have stolen it, and that's a whole different ball game
Peter.