no no no, lol, your making it all alot harder than it is
ok as for changing companies, most companies wont charge much extra to change over the car, Ive done it 3 or 4 times all during one policy, however if u do change companies during a policy and cancel a policy then u will lose the no claims u had started to build up in that policy
as for 2nd drivers
ok, say u add sue brown to your policy, all elephant/admiral will ask for is her name age and job, and how long shes been driving and no claims, so 5+ years no claims youll put
thats it
so if sue brown has a crash on her own policy in her own car, you dont need to tell your insurance about it, shell still have her no claims at the time, but then when u renew ud have to take her off as she no longer has full no claims etc
she doesnt ever have to drive your car, just means she legally can and will be insured if she ever needs to, its a silly way of getting insurance cheaper, lots of ppl do it, totally legal
that make a bit more sense??