I take your point on tarnishing all youngsters with the same brush Finnistere and I agree it's not fair but I do think 50mph for a newly passed driver is fast enough until they get some experience. Yes the insurance companies take a calculated risk and more cost might possibly make a few not take insurance but most cops now have ANPR and youngsters can still get insurance on their parents policy under guidelines as Angie said, i'm probably a bit biased as the 2 girls that hit me we're in mum's Audi A3 shooting a junction at 90mph, they came as close as I ever want to come to splattering me all over the countryside as well as themselves, and losing my little lad his dad. The passenger has life changing injuries and it's all from excess speed and no experience. Insurance for young people is mega bucks for a reason.