So, you’ve passed your driving test and you’re ready to hit the road. You even have your own car – perhaps a gift from generous parents, or maybe you saved up for your first set of wheels. Now all you need is insurance – but as a young driver, is it going to cost you an arm and a leg? Many people in your situation find that the thrill of getting their driving licence and owning a car is dulled by the high premiums – easily stretching into thousands of pounds in some cases. So why do people under 25 have to pay so much for their cover?