I cannot agree with your suggestion concerning insurance for young drivers. Read another way you seem to be suggesting that we should subsidise premiums because otherwise young drivers will break the law. Insurance companies are always happy to consider risks on which they may make a return but young drivers, as a generalisation, make this very unlikely through their inexperience and sometimes dangerous driving. Surely it would be better to put the money towards education and enforcement to try to reduce the disproportionate rates of death, injury and damage caused by young drivers. You estimate that 30% are uninsured, this may be so, but I think that there are also many who have an insurance certificate but may find their cover refused following an accident. I wonder how many have told their insurers that their cars have been modified and / or the car is ‘fronted’ by a grown up and they have been economical with the truth when asked who is the principal driver. In either case the insurance company may well take the view that they have been misled and return the premium leaving the driver uninsured.