no one intends to crash, but it happens!
I'd be with pud on this, best to get your own insurance cover and not rely on your parents and their NCB's. False economy in the end, as sooner than later you'll need to start and it'll cost a bit even if you have a years experience.
Personally if you can't afford to insure the car, then can you afford to buy it? Its bad news I know and not ideal, but build up the bonus then go for the car.
Its true, plus being the main driver of a car while its insured on someone else's policy is fronting
, which is insurance fraud and illegal. Should you crash and the insurance company look into it, they may decide not to pay out, leaving you well and truly in the sh*t. You get done for driving without insurance and then are open to legal action for compensation from someone you might crash into.
It really would be best just to get your own insurance, even if it means getting it on credit or getting a cheap bank loan to pay for it, and work a bit more to pay it off. Once you start building up NCB the added premiums for your accident start to reduce.
I was in exactly your position when I was 19, two years ago. My parents wouldn't let me use their NCB and I had to pay £1250 for my policy instead of £500 for a policy in my mum's name with me as a named driver. But I'm glad she stood firm, I have two years NCB now and at 21 on an insurance group 14 car I'm paying only £450 for the year, you can't ask for better than that.