I don`t understand why the finance is in your name instaead of your dad`s. Unless he`s medically unfit to work, he`s obviously in a position where he`s financially comfortable or else he`d still be working. Car finance will be secured on the car also, so even less of a risk.
Why does the insurance cost £2100 a year and how many other cars are in the household.
I hope you get it sorted out but there seems to be a little more to the story.