alright guys, after having my run around torched by some undesirable and not being covered for it, im now trying to do whatever i can to get insured on my valver. im 19 with a years ncb and the best quote i can find is 1300 with a 600 excess, which seems to me like that defeats the object as the excess is more than the value of the car? are there any ways to lower my premium that are legal and wont void my insurance? if something happens i need to be covered. i cant afford comprehensive cover at all, but needs to be tpft minimum. is there a genuine way to be insured on a parents policy as a main driver for example? any help is much appreciated