[xenon]

They obviously believe it to be a fraudulent policy. Essentially you own and pay for the car (as far as they're concerned) but you have put your dad as the main driver and you as a secondary driver perhaps because (in view of your age?) it was cheaper that way. However, if they have reason to believe that you are in fact the main user and you used this method as a way to get cheaper insurance then they will try not to pay out.

However, they would need to prove this and in any event it seems incredibly harsh. Definately get legal advice.