If your a second driver under your parents insurance, the only insurance company that lets you build NCB is direct line. Obviously thats the cheapest way If you put your mum or dad under your insurance, put down how long they have been driving for, NCB, then your insurance will be around £1000 cheaper. Maybe say you only drive 4/5000 miles a year too. Third party fire and theft. You must have a really bad post code. When I was 17 I was driving a 1.4 petrol polo, fully comp for £2000. £2800 for a 1.4D is just outragous