I can see where the insurance companies are coming from. They work on calculated risk and the stats speak for themselves.
I worked with so many injured youngsters whose driving skills were poor, or who just got a bit carried away (hormones, showing off to friends). One 18 year old lass, whose head injury resulted in her never ever being able to speak again, used to write on her Lightwriter over and over again "I wish I had not driven so fast." Tragic.
It was a bit of a problem when mine were at that age - but they were all girls and I think that makes a bit of a difference.
I do not know what the answer is, but the insurance companies are unlikely to budge.
4 Years On…..Health-wise, Has Anything Changed?