Ouch. I had my first VR when I was 18, but I'm almost 30 now! All the "loopholes" I used back then have now been closed so it's going be tough for you! @sufforkvr6 has a good point and that's exactly what I did, but had a second car that sat in the garage building up NCB while I was driving my VR through my dad's policy, when I was 21 I was then able go at it alone but I know most companies don't do that anymore
Club Chairman