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Ian... its a known fact that elderly people put a far greater strain on the NHS than anyone else, yet they don't pay any more. We're all penalized even though many of us will not reach our elder years.
Another point, are black drivers better or worse than white, asian etc... I'm betting that if you collected data, you may well be able to draw a pattern. Should they get cheaper insurance, should their insurance be loaded ?
My point is, its acceptable for the insurance industry to abjectly discrimininate against young people and charge them ridiculously obscene amounts of money for a ticket to drive. They have gotten away with the type of descriminiation that's unacceptable in other parts of society. They have done zippo to lobby for improvements in the driving education process, improvements in the probation process new drivers experience. Zippo... all they've done is sit there and demand money.
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