I hope when you make a claim, 'Elders' dont find out your the main driver, as they would DECLINE it straight away.
You being a 10% driver, I guess you have another car that you use the other 90% of the time?
If their claims dept is bothered about following up claims, they will figure out its not your dads car and you wont be paid out, making that $1000 a year saving a big waste of money.