Ive learnt the hard way that theres just no point going on your parents insurance. It might seem easy at the time but trust me it will cause you ball ach in the long run. Bite the bullet, get a small engined crap car, 3rd party insurance and get a years no claims, then see about a nicer car Im 19, 0 NCB, 2002 fiesta zetec s 1.6, £1400 tpft