Hi Bazzy
Whatever company you chose to get a quote from, ask for the quote to include your wife to drive as well.
THE REASON. As they are regarded as safer (no comments) drivers & may be driving a percentage of the time, the premium may be discounted or reduced in some way.
If not, choose not to include her. I include my wife BECAUSE of the discount I receive. She’s never driven my van, but she might.
Nothing ventured. Nothing gained.
Martin