Most people realise early on that being on their parents insurance is just a stop gap. It's best to have your own Fully Comp then you can build up your no claims.

First car I had an XR2 was 3rd party only on me Da's insurance when i was 17 ( a long time ago! ) Second car an XR2i was done on my own insurance so I could build up my no claims.

It's a sad fact of life but you've got to be over 30 to get resonable quotes on RS's like Cosworths

Well being an old twat has some advantages I suppose