Steve, INSURANCE COMPANIES charge on the basis of age, their charges are not based on driving abilty, they charge people up to the age of 25, higher premiums, so you can be driving six years if you passed your test when you were 18 and are 24, and pay the same as someone aged 24 who passed their test 2 days previously, your argument is nonsense, it has nothing to do with people who have just passed their test it is to do with age., admittedly people of all ages get no claim bonus based on not having an accident, but all young people pay high premiums regardless.