Firstly, if the car is going to be insured by your father with you as a named driver, and you have an accident, whether you are the main user or just an occasional user, the insurer will investigate for fronting, which is where an experienced driver insures a car on behalf of an inexperienced driver to get cheaper insurance.
If you are travelling to work in the car when you have your accident, the insurer will treat you as the main user as whoever takes it to work has the car in their possession for most of the day. If your father has a car of his own, it will make it hard for you to prove that you are not the main user of this car, as your father cannot drive both cars at the same time. These are things the insurer will look for when you claim, and it will be up to you to prove that you are not the main user. You may well be an occasional user, but expect the insurer to challenge you.
If they do believe that you are the main user, they can void your insurance leaving you to foot the bill for the claim including all damage, injury claims, legal costs etc. You could also be charged with driving without insurance, which carries 6-8 points and a fine of around £200, (but the maximum fine is £5,000). As a new driver, your licence would be revoked under the new driver's act and you would have to reapply for your provisional licence and take the test again. Your father would be charged with aiding and abetting a motoring offence, and you could both be charged with obtaining an insurance policy by deception, (fraud).
Once convicted, you will both find it very hard to get insurance as you will both be named on the anti-fraud database which gets sent to all insurers. Even if someone is willing to offer insurance, as a new driver with 6-8 points on your licence, it will be very expensive.
As a young inexperienced driver, you have no claims free driving experience to show to the insurer, so they don't know how safe you are. As such, they will look at drivers with a similar age and risk profile to yourself to try and gauge how likely you are to claim. At the moment, young drivers are making a lot of claims, so insurance for your age group is very expensive.
If you do not see yourself as the 'boy racer' type, and do not want to be stereotyped with the other young drivers, you could try an insurer that offers 'Smartbox' insurance. I believe Co-operative Insurance, Coverbox and Adrian Flux all offer this cover and there may be other insurers who offer it. They will fit a small box to your car that monitors your driving habits and sends data to the insurer. If you can drive within the speed limit, do not drive at night and do not drive erratically, this information will all be fed back to the insurer and your premium will be reduced to reflect your careful driving.
You may want to consider putting yourself down as the policyholder and main driver with your father as a named driver. That way, you will build up some no claims discount in your own name, wont be investigated for fronting, and the insurer will reduce the cost because they will think an experienced driver will be sharing some of the driving with you. Also, keep your annual mileage realistic but as low as you can. Try to garage your car when not in use or at least keep it off road. If you are not planning on making small claims that will cost you your no claims discount consider a higher excess. Perhaps look at a car with a smaller engine as they tend to have lower insurance groups. If you are only travelling to and from one permanent work place, do not pay for business use as this is commuting which is covered under private use. Keep the car's value realistic on your proposal form as the insurer will only pay the market value in the event of a loss but may charge you more if you overvalue it. Look for a Thatcham approved security alarm. Look for Comprehensive quotes as they can sometimes be cheaper than third party or third party fire and theft even though you get more cover. Shop around as much as possible and if you see a good online quote, try phoning that company for a quote too as they may have promotions on that are not advertised online, and the staff often have some leeway to negotiate the price so you may get a better deal by speaking to them.
Work for a UK insurer.
· 8 years ago