Insurance companies are just a bunch of bankers. We are all paying for scams and hungry lawyers. Young people are being totally shafted across the board no matter how well they drive. Puting tell tails in cabs is out of order ( think how you did it at there age) Third party is the only way for young ones, cannt afford a claim. Many companies are doing multi-car policies, in my sons case it halfed what he was paying , which allowed him to upgrade.