Driving family car vs own car

Right so passed my test recently. I have been driving for a while as a learner so I have clocked up a significant number of hours on the road. Anyway, I'm at uni, not a very car friendly city but good public transport so no need for a car for commuting. However I really enjoy driving and want to keep my skills up and gain more experience etc. So the question is do I get insured on the family car as a named driver (before people start going on about fronting, no I will definitely not be the main driver, my mum drives to work every day etc, I'll just be driving at weekends and recreationally really, won't have a large mileage) or do I get a wee car of my own, insured on that. If I did the second option I'd be buying the car with my younger sibling, I'd be the main driver on the insurance and he'd be named driver (when he passes his test). I've read that I can't get a NCB as a named driver so that's a drawback of the first option, but I'm sure the first option would be cheaper so idk. If I went with the first option I'd just get a car later (in a year or two maybe, I'd probably be twenty which might lower premiums). Thoughts?

Right so passed my test recently. I have been driving for a while as a learner so I have clocked up a significant number of hours on the road. Anyway, I'm at uni, not a very car friendly city but good public transport so no need for a car for commuting. However I really enjoy driving and want to keep my skills up and gain more experience etc. So the question is do I get insured on the family car as a named driver (before people start going on about fronting, no I will definitely not be the main driver, my mum drives to work every day etc, I'll just be driving at weekends and recreationally really, won't have a large mileage) or do I get a wee car of my own, insured on that. If I did the second option I'd be buying the car with my younger sibling, I'd be the main driver on the insurance and he'd be named driver (when he passes his test). I've read that I can't get a NCB as a named driver so that's a drawback of the first option, but I'm sure the first option would be cheaper so idk. If I went with the first option I'd just get a car later (in a year or two maybe, I'd probably be twenty which might lower premiums). Thoughts?

Right so passed my test recently. I have been driving for a while as a learner so I have clocked up a significant number of hours on the road. Anyway, I'm at uni, not a very car friendly city but good public transport so no need for a car for commuting. However I really enjoy driving and want to keep my skills up and gain more experience etc. So the question is do I get insured on the family car as a named driver (before people start going on about fronting, no I will definitely not be the main driver, my mum drives to work every day etc, I'll just be driving at weekends and recreationally really, won't have a large mileage) or do I get a wee car of my own, insured on that. If I did the second option I'd be buying the car with my younger sibling, I'd be the main driver on the insurance and he'd be named driver (when he passes his test). I've read that I can't get a NCB as a named driver so that's a drawback of the first option, but I'm sure the first option would be cheaper so idk. If I went with the first option I'd just get a car later (in a year or two maybe, I'd probably be twenty which might lower premiums). Thoughts?