Why wasn't I insured if I was a named driver??
When I got pulled it was all fine n when I was involved in a accident everything was fine...
You were insured, but if they were able to show you were the main driver and not just an occasional (named) driver the insurance would have been void.
Its called fronting and is a criminal offence if proven.
Its so serious that insurance companies are now going to give a 'kid key' for named drivers on the policy which inhibits the power of the car.