[KamRacing]

having taught a few people to drive and been as a passenger with newly passed drivers, its justified that new drivers should pay more. Some driving is simply scary and personally I dont think the driving test is a high enough standard. Heck i know what I was like at 18. I wrote off my first car too but I know in hindsight that I drove beyond my skill.
The question is how much should you pay!
Young drivers are going to be in part time or low income jobs and therefore £4-5k a year is an extortionate sum - they dont want to pay all their money to an insurance company. But it needs to be enough to cover the insurance costs of damage to other vehicles - most newer cars which are now more expensive to repair compared to older more basic bodywork designs. Its catch 22...
Some of this can be alleviated by not buying hot hatches or cars popular with young drivers and therefore crashed a lot but as a new driver you want to have a cool /popular car to show off to your peers.
The only solution is to save and get a boring volvo..pimp it out and cruise

Kev