It's judged by the age of the youngest driver... So even if the car was rego'd under your dads name yet you were listed as a driver then you would still be charged the higher rate.
Check your info on that one kiddo, not all companies are the same...
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Sucks to be under 25 They wouldn't even lower my rate even though I turn 25 in exactly 6 months...
Which is perfectly reasonable. Apart from the fact that the price will no doubt automatically calculate on a computer system off your date of birth etc (you think telephone operators actually calculate the price or give a fark if you don't like their price?)... you and I both know that overnight you suddenly won't become a safer driver or less likely to claim - hence they just run off your age at inception.