by insuring in your parents name you are not generating your own No Claim Bonus, even as a nominated driver (qoute RAC unquote) so just putting off the high premiums till later on --- Sons 180sx is in his name he just turns 19 this week been insured for a year with no claims etc and his premium has dropped 600 dollars with RAC so my advise to the younguns is to tough out the 1st year and then once you have your own No claim bonus you will see the cost go down fast