Young drivers are endangering the lives of other motorists, the Institute of Advanced Motorists (IAM) has claimed.
The IAM has also been vocal in its criticism of the UK’s driving test, which it states is not fit for purpose. A survey found that 71 per cent of drivers aged between 18 and 25 thought they were better than average drivers yet this age group has been found to be 2.5 times more likely to be involved in a serious crash.
The increased likelihood of young drivers being involved in accidents has always meant that it is harder for them to obtain cheap car insurance, but this is also an issue within the motor trade industry; younger professionals will often struggle to find a competitive motor trade insurance policy because of the increased risk associated with this age group, and indeed in some instances they will struggle to get find motor traders insurance at all – this includes anyone under 21.
As with driving generally, the longer you are on the road and the more experience you have, the less likely you are to be involved in accidents. For those still gaining this experience, they might want to consider road risks insurance – that insures just your vehicles – while also thinking about selling smaller and cheaper vehicles which you could get motor trade insurance cover for. If you fall into this category, speak to expert motor trade insurance brokers ChoiceQuote to see what policies could work for you.
The IAM has pointed to the current driving test as being at fault for allowing incompetent drivers to get a licence. When questioned, 30 per cent of 18 to 25-year-olds admitted to breaking the law during their first few years on the road.
Statistics also show that 133 out of the 542 drivers who died on the road in 2012 fell into this age bracket. Despite only eight per cent of motorists being under 25, this group accounts for 22 per cent of all serious or fatal crashes.