For MR BRANNEN and his dad breaking the law this is called FRONTING.
The ONLY reason why you think they are not able to do anythingis because they are gathering evidence, it is all to do with the title MAIN USER, the POLICY holder HAS to be the main user.
As siad most if not all drop to 3rd party on driving other vehicles which do NOT have to have thier own insurance in force for this clause to take effect.
This is totally different to the deceit by MR Brannen and his dad, they may well be waiting for an accident to occur so they can then say get lost, not covered, but they will still take your money.
FRONTING is a well known illegal activity, and most get caught, especially if you have ever been stopped.
I think people who do it are arseholes personally, as people find out when they get hit by these people.
tabetha