I would also disagree that a young driver with zero convictions against your 6 points is a clear black / white case of high risk / low risk. If anything your clear disregard for the law either seriously once or less seriously twice, shows that you are a high risk driver and should be charged at least the going rate for a young driver that has no points.
Everyone is an individual and just because your a young driver it does not make it right to charge you 20x more than someone older - if and when you make a claim or get a conviction then, yes, they should be be able to re-evaluate on a risk basis.
The insurance companies have nicely got them selves into a win - win situation, you have it as a named driver - they will try void the policy (which they could never prove unless you are silly enough to make an admission), or pay the ridiculous going rate for a 'young driver'.
And you say they "just wont pay out". This isn't strictly true. Insurance companies are under a legal obligation to cover you against third party liability when you are paying for the cover. If they choose to void your policy proceeding a claim, they will need a very good reason backed up by very good evidence.
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