Car insurance question - unusual situation
1. I've been driving for 25+ year, no accidents, tickets etc.
2. My wife used to drive but had a brain tumour and no longer drives
3. We have 2 cars.
(a) A sedan I drive (about 6-8km per year). I work from home. Just shopping and errands.
(b) An SUV. I drive maybe once every 2-3 months to tow something or very bad snow. Thinking of selling but would miss it for the odd time I would need it. I use the SUV so little I need to keep a charger attached to the battery.
4. Now the issue... my teenage daughter is taking her driving test soon (G license)
If I simply add my daughter, the insurance goes from about $1,600 to $4,300 since she is forced to be a primary driver (2 cars 2 drivers). She will only drive occasionally.
Ideally I'd renew my existing policy (belair) but just for the sedan and add my daughter as an occasional driver.
I'd then insure the SUV just for myself under CAA MyPace (per km) just for 500km per year.
Not sure if I am allowed to do this (covered under 2 policies, different car on each).
I could also garage the SUV and just add it back for the odd trip but this would be a huge pain.