Whether I live in a wealthy area or not has nothing to do with my comments. I deal with young drivers all over the country.

Fact - a 17 year old male can insure a new or nearly new car for a 12 month premium of £995 - fully comprehensive, in their name and earn a 35% no claims bonus. The premium is identical regardless of post code or whether the driver has a full or provisional licence.

It is just a matter of thinking outside the box.