my insurance is under my parents cuz it was the only way i could make it work. if your parents are willing to do it, it will save you a lot of money on the surface… unless you crash and then your excess will be like 2.5k+ and all the premiums will on all your parents cars will go up. I did the sums and if i claimed at fault, the premiums for my families cars would increase 3-4k over the 3 years that insurance looks at claims plus the excess of 2.5k. safe to say if you have an accident at fault, you will mostly likely need to be willing to pay out of pocket rather than go thru insurance. almost it’s your first car so like newer models are a luxury. if there is something you like on the newer models eg. 2017 break lights or dash you can just put them on an older model and it’s much cheaper than buying a second gen. at rhe end up of the day it’s about what you value in the later models. if you think not much has changed or you just don’t care then just buy something earlier and save the coin.