Maybe because we have been with them for a good few years and the policy is in my wife's name as is the truck.
The renewal came through and states any driver over 25 years old main driver my 'name' 76 years old.
The thing is who knows what happens with a claim maybe they would say if my fault and me driving that it is only covered by CTPL gov insurance.
The main reason for 1st class is that the truck is not that old and if it got written off by someone else at least we would get something back.
A kid hit it on a bike caused 3 dents, of course family was poor, we have 5000 excess so I got it fixed myself and it came to 4,350 nice job too.