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Yeah right, we both know that is not going to be the case!
Not being funny but If you can't insure the car properly then you can't really afford it can you?
Many people try to avoid higher premiums by insuring a car in a parents name and adding a younger driver.
Technically this is called "fronting" and it is to be avoided. In the worst case, should you do this, a claim could be called invalid meaning that you would not receive a payout and the...
Get yout own policy and transfer your own NCB onto it.
Dont be a pleb and get involved in what the industry calls "fronting".
Not only will you be breaking the law but your mother will too.