smtk said:How should i answer this question;
"How long have the 2nd driver held a licence?"
They will assume that the 2nd driver is a UK licence holder so you will definitely have to divulge that hers is not , I came across this when I moved to the UK . If you don't, you run the rik of them (a) not paying out in the event of an accident and (b) them accusing you of making a false statement (sure you will find it in the small print) and then getting yourself blacklisted