If a person has previous damage from nicks on a car door and try to say you did it will insurance pay?

"Folks tell me I will get  insurance  of my very own under18Can you trick car  insurance  companies?
"im 23 and have merely passed my examination. I livein the united kingdom and im seeking motor  insurance    that will be very costly. I made the excees the most it can be but its just toomuch and have attempted a couple of businesses. Just trying to find sites everyone or any guidelines knows of this may help cheers