Also I don't know if anyones said about this but what about driving on your parents insurance? I know that this is totally illegal, but I'm sure that insurance companies are completely aware of this and don't stop it! I mean how often must a middle aged woman buy a second small car like a clio or something and happen to add her 17 year old son on the insurance! It totally obvious but is not often stopped.
I am very much guilty of this, 3 of my 5 cars have been on my Mums insurance, and another was on my girlfriends! I've only actually had one claim, and it was on my Mum's insurance at the time. Fortunately no questions were asked (perhaps due to the fact that the car in question was an Audi A4, which is not typical of a car driven on a parents insurance). I would never do that now, as my car is worth far more and definately not worth the risk of voided insurance. Plus my Mum drew the line when I bought a 1.8T A3 and said no more! Interestingly the insurance companies were far more picky and asked more questions when I put the car on my girlfriends insurance
So I think they turn a blind eye a bit when it comes to insuring a car in a parents name.