It is illegal to drive without a valid car insurance. I am unable to get a single quote for car insurance, what am I doing wrong or where is the catch?
I am a new driver, have a provisional driving licence for a month. The car I want to buy is a large Mercedes S class (5-litre engine) that cost ca. £15K (I have my reasons).

Why they would not insure me if I only want the THIRD PARTY LIABILITY cover (the minimum required by law)? The insurance company does not risk paying for my luxury car as third party cover does not cover the car, is that correct?

My circumstances that I put in online forms:
I am 26, UK resident for 3 years. The car would be bought and registered (and probably insured) under my mum’s name, she is an EU national, has EEC (non-UK) driving licence for 20 years and is resident in the UK for 3 months only. I would need to add myself as a second driver…
No company would give me an insurance quotation, do you know why?

When I change driving licence in forms from “provisional” to “full UK the result is the same (also no quotes at all). But when I change the “car” to e.g. a small Focus or similar, no problem, cheap insurance available and dozens of quotations are appearing.

Are new drivers not allowed to drive luxury cars? HELP!