I'm 19 years old and I've been driving for 2 years accident free... in fact a large proportion of my friends have been driving without a problem at all! But yet we're still getting the blame for the majority of accidents! It really is just a minority of young drivers who are having the accident. There has been a few accidents around my area since I've passed... 8 of which were caused by the same 3 people, so statically it's still classed as us young drivers. Of course there are a higher number of fatalities at our age, have you seen the type of cars people are driving then they first pass? Like the old Vauxhall Corsa, Citroen Saxo, etc... they clearly lack the safety equipment such as the number of airbags, ABS, traction control that we'd find on newer cars! I'm not saying that it's a substitute for bad driving but if you know that the under 21's are the most likely to have an accident, then why not decrease the premiums for newer and safer cars like the new VW polo, Ford Fiesta, or the Peugeot 208, which are much, much safer! Sure, they are worth a lot more but with aids to prevent accidents in the first place and more importantly the severity of crashes, don't you guys think that's better in the long run? As for the tachograph, I'd prefer to have one of them dash cams as well as a tracker fitted to reduce premiums. I'm not too keen on being monitored 24/7 as well as having curfews. Since insurance is compulsory, these companies are taking advantage of it... I mean how is it that my quotes can range from £800 to over 15k?! It's ridiculous!! Like Aaron I'm going to pay about £6k purely on insurance for these 3 years... that's the same as me throwing my car away every year...