purchased Mazda 5 (2010) joint title? Wife has had collision in 2007 while driving Mazda Protege, which was settled in court with a reduce fine. Which car should be insured as vehicle for work and which one for pleasure? My work distance is 25 kms, one way. Wife is a homemaker and uses vehicle for pleasure. Secondly, would the insurance be lower if the car is on joint owership?