Russ .... cars rego'd in my mums name, insured in her name .... with RAC ..... costs about $1K a year. Shes protected her no claim bonus whichshe has recently fudged thru a claim anyway (glad she was first to do that and not me) ..... im 30% driver .... i told a few littl wspeding fine white lies nothing too major - fessed up to a few of them which bumped the excess up a little .... but basically they know its my car .... lady when she rang me even commented it was a nice car for a 19yr old to have .... there is no reason it should be voided if i prang it.