You were making a statement that is not backed up by any facts. All you are doing is making an unsubstantiated claim that tars most young drivers with the same brush.

The facts are that most young people aged between 17 and 20 do not hold a driving licence and there have been various surveys that have asked the questions. Costs of running a car are a major factor in this decision, adequate public transport is another – also more than 50% of the school population go on to higher education and there is very often little need to have a car until later.

Every year over 400,000 drivers aged between 17-20 pass the practical driving test. The majority of these do have proper insurance in some form or another, whether as a named driver to drive a family car or insurance in their own name, if they want to build up their own no claims bonus.

Kids can and do afford to pay the premiums for insurance, often with the help of parents or other family members. The advice given by Andy Leadbetter is useful but falls way short of outlining all the schemes that are out in the marketplace to bring down premiums for young drivers.