There are various ways to reduce the premium for a younger driver. Adding mature drivers who live at the same address and who will definitely drive the car from time to time is one step. There are some others, such as fitting a smartbox to the car so the way it is driven and the times it is driven can be monitored by the insurer. You will find some of these at: www.honestjohn.co.uk/useful-websites/tax-insurance.../ Of course, if the car is fitted with a smartbox and is occasionally driven by a mature driver, that driver will also have to be on his/her best behaviour.