Insurers are getting wise to this now so be very carefull if you decide to take that route, its called "fronting" where you just insure the car in someone elses name to try and get the cost down and if the insurers suspect this then they can refuse to honour a claim! be warned..... 
That's what I suspected... Ah well. Such a widely exploited 'loophole' was bound to attract enough people to get 'shut' by the insurers I guess..
Do you always use only the highest-risk driver for calculating premiums? I only ask because a friend of mine saved a fair bit by sticking his missus down as a named driver on his. Seemed more like they take an average or something? Just curious...
We normally do only use the highest risk driver when calculating premiums but on rare occasions sticking your girlfriend on can sometimes help eg if the system rates her as a slightly higher risk but a couple of our underwriters give female driver discounts so it can actually bring the premium down even though it is rating her as the highest risk (i think they have not noticed that yet
), it does'nt work often though as some of our other underwrites give discounts for just you driving....
Same with putting parents on, usually it wont change the price either way....
This will vary depending on which company you ring though, i am only basing this advise on what happens through us so you may well find different with other companies.....
Hope this helps/makes some sense
