bite the bullet, buy a cheap shitter to run around in for 12 months insured in your own name, get a years ncb then try again for the cossie.

most i've ever paid for mine was just short of a grand when i 1st bought it end of 2004 i was 23 with 2yrs ncb. got it on a classic policy now so doesn't take ncb into account and only costs me £248 a year