I want to access windows insider hub but it wont let me

We can't help you with that here, you or your parents need to call Customer Support.

My parents dont have Microsoft accounts and my age on my Microsoft account is 20

Then there's obviously an error on your Xbox account, should call support.

We can't do anything related to accounts here, just volunteer users. Good luck!

My parents dont have Microsoft accounts and my age on my Microsoft account is 20

When I load the insider hub on my windows 10 and Xbox 1 it says that I am not 18 and so it wont allow me to use it but I am over 18.

Hi I'm Peter an independent advisor, glad to hear you want to try out the insider hub. Anyone can register, you need to install the xbox insider hub first of all on either the PC or Xbox One:

Xbox One

Move over to the Store tab on the dashboard or select Store in the guide.

Choose Search.

Enter insider in the box, then select Xbox Insider Hub.

Select Get or Install.

On Windows 10

The Xbox Insider Hub can be installed from Microsoft Store on your Windows 10 PC.

Press the Start button, type store, then select Microsoft Store.

Select Search, enter insider in the box, then select Xbox Insider Hub.

Select Get or Install.

To sign in for the first time (use your gamer tag):

If you weren’t part of the old Xbox Preview Program, you’ll want to search the store for the Xbox Insider Hub. If you were, however, take a look in the updates section of My Games & Apps to update to the Insider Hub.

Accept the terms and conditions after opening up the Xbox Insider Hub

On the main screen for the Insider Hub, go to Insider Content section and select the Xbox One Update Preview section

Simply press the join button on the next page, and you’re in! Just keep in mind that it will take up to 72 hours to start getting preview updates.

Let me know if you have any problems and we will look forward to hearing your gaming feedback