You Will always be able to get insurance, Just depends how much you are willing to pay...

Its funny because all my mates had "Good" cars at 17, 1.8 escot GTi's, 2.0 Cav Sri's etc insured in there mums name.... I had a 1.6 escort, In my name...

Now Im driving a m3 with 3 yrs ncb they are all driving 1.6's because they cant afford to insure anything, due to being insured under there mums name!

Makes you realise it was worthwhile having a better car to insure to start with!