So, Dick, how come those insurance companies charge newly-passed drivers (especially young 'uns, who constitute the majority of newly-passed drivers) upward of two grand for cover, whereas they only charge irresponsible, tailgating, road-raging, arrogant, BMW-hating, Volvo estate-hating, 4x4-hating, caravan-hating speed kings like me* about two hundred and fifty? Eh? Eh?? Might I suggest that they do it because of what they know "in their experience"?



*With my clean licence and full no claims bonus, of course... Gosh, how do I get away with it!