Tried a couple of 'recommended' companies on the blower this morning, and put Mrs G as the main driver, and MM as a named driver.
Basically this is known as fronting, and if you get caught you're in trouble, BUT THEY have made things so intolerably unbearable and unaffordable now, many many have simply had to to keep their kids mobile.
Anyway, thought I'd try it on to see just how much of a difference it would make.

£2000+ for MM as main driver with her current insurer went UP to over £4000 with her as a secondary driver with Mrs G as the main one!!

The others were just as bad.
Seems this is the method they are now using to stop 'fronting'.