Yes i was thinking that, but the problem is if i get offered a job in another area, i will be a main driver of the Polo and not an additional driver so that is technically fronting so i would have to let the insurers know, my friends fronted their cars for the first year, got away with it but your screwed if you need to make a claim.
If i stay working in the local area then i will go fully comp next year, on that polo it would be £1900 with my mum as an additional driver, adding her brings the price down as she has 8 years NCB and no convictions.