As others note it's certainly possible for a vehicle to be insured in the name of a person who, for health reasons, cannot drive. I worked for a while with people lacking mental capacity, for example after a brain injury who needed live in care. They had money from a compensation award to pay for this. A car was bought, insured as owned by the injured person and with their carers as named drivers. Done through a broker though, I doubt we'd have had much help from the company that would nowadays be cheapest on Compare the Market etc.

Depending on how long it is before they can end the current policy without massive loss the OP needs to look elsewhere.

It may however be worth escalating the query with the current insurer. At the moment I assume they've just got the approach of a phone agent with a script and a fear of getting it wrong.

Main driver should not really an issue between a couple of similar age and driving record and both in straightforward clerical, managerial retail or whatever employment. Different if one of you is a jockey or a stage performer! That and 'fronting' for a much younger driver are the point at which main user becomes an issue. One insurer, Admiral, will treat a younger driver as the main user even if they're patently not. I found this adding my son to my policy si he could use my car on domestic duties while on University vac.

My OH and I both have cars owned and insured in our own names and as named drivers, including commuting and business use, on each others policies. That way we can use each others if needs be, for example if car is in for a service. However, if an insurer looked only at mileage I might be the main driver of her car as it's the one we use for caravan trips and some other holidays and I do pretty well all the driving then. On the other hand she has 'care and control' of it far more days than I do.

When she claimed there was no 'stewards inquiry' over main driver.

Contact a couple of local insurance brokers - not 'computer says no ' price comparison sites.

We have companies who would give 5 plus years intro discount without altering your wifes policy- or transfer the ncd back. No problem car is in her name and you are marginally the main user- easy to note on policy and commuting by both no problem at all

I get fed up with staff at insurers who seem to know very little , creating problems and cost where there is no need. Dont put up with it