Mike, I work for a well known Insurance company and to be honest, coming on here and getting sarcy with someone isn't the best way to go about things. I know Ashley's not given you the answer you were hoping for but we are trying to help you. On topic, I agree with Phil, my first car was a Nova and I was on my mum's policy. Unfortunately when it came to getting my own insurance I was still quoted £1210 with Norwich Union as a 19yr old girl on a 1.4S 75bhp Lupo - and girls apparently get cheaper insurance! This was reduced to £795 with my pass plus, but this was also when pass plus cost a fair amount and was worth more than the paper it was written on. Ultimately, if you're looking to get insured on a car and have your mum/dad as the main Policyholder and your insurance find out in the event of an accident you are screwed. There are no two ways about it. If the car's registered in your name or the payments come out of your account or any other reason they can find they will chuck your claim out. I've seen it happen, I've had to tell people we're not dealing with their claim and offer to get their tangled heap of metal that used to be their car delivered back to them with no money for repairs. Good luck with getting a car that you enjoy and you can afford but I'd say to buy a cheap car and run that around for the first year or two, then get a better car - lupo/arosa if you wish and don't lose sight of your goal. A cheap first car is a means to an end really, it sounds like a complete cliche but it will feel so much better when you've bought and insured your own car with your own money and you're happy with it. Hope this helps!