Where abouts you live bud, I'm in WA and I've been under everyone else's insurance since I've been on the road. atm I've got my T under my girlfriends parents insurance even and I own the car. I'm just a "named driver" her old boy is the main driver so it's all legit. cheap as. (Western QBE) but I've used RAC too and they do the same. Maybe your ol boy don't want the stress of you raising his NCB if you crash or claim?