2 questions for you. 1. How insurance smart is your wife? 2. How friendly are you with your insurance agent? If your answers are not and very keep reading. Tell her that because of the kind of car, the insurance would be too expensive for more than one driver. Tell her that you signed a "named driver exclusion form" (Technical stuff makes you sound smart), so no one but you is covered to drive the car. When she yells at you for that, tell her you were only trying to save the family money (Responsibility, very sexy...see anniversary). Oh yeah, make sure you tell your agent what's up. I know she's blonde, but she sounds smart enough to dial a phone. With her past driving history, she may buy it. And yes, I do own an ins agency, and this stuff does exist...sort of!