put your dad and you mum on it as named drivers, i will bring it down loads!!
dont effect there NCB if you crash as its your insurance with there name on it so there allowed to drive it.
my 1.6 C2 GT cost me £1600 (fully comp) at 20 then i put my dad on it went down to £1000
im now 22 same car now pay £600 Fully comp with all the "extras"