Insurance @ 21?

[Jimlad]

I currently have 3yrs NCB but had a crash last year. My insurance still isn't great ( mainly because of all the mods )... but at least it will come down with the more NCB I acquire.

[tooyoung]

why not get it insured in your dads name with u as a second driver, this should bring it right down, then for your no claims find a cheap fiat panda and insure it in your name for cheap as chips! say its gonna be in garage for social use only covering less than 1000 miles a year to bring it right down.

Just out of interest. If you did this and had nowhere to put the Panda, could you scrap it (and declare it off-road)?

[houston]

you could declare sorn (statutory off road notice) so you dont have to pay tax or get mot, but you cant scrap it cos youll have to sign the car over. you could get a one to use when mr2 is out of action(repairs/mods) they shouldnt be much to run