Ok so I’m selling my car to my dad and we both want to be insured as we will share. If I’m the main driver it’s £205 if my dad is it’s £58
How will they know who’s driving
That's very cheap. Is that a monthly premium?
If it's genuinly around 50/50, you should be fine with your dad as the main insurer but you won't gain any no claims bonus. If you drive it more and get caught out you're pretty much uninsured and liable to prosecution. (Plus not being insurable for a long long time)
Surely with those price you must be a fully grown adult who is old enough, possibly ugly enough, to figure it out yourself.