Direct Line has published the results of a survey showing that most people believe young drivers should have curfews and restrictions on how many friends they can drive, which roads they can drive on etc. Personally I think all those things should apply to every other driver but me.
Another insurer, Carrot (as in not stick), has pointed out the difficulties in enforcing most of these ideas. Ed Rochfort, product director said: “Restricting young drivers’ access to motorways, for example, can prove highly inconvenient, and seems unnecessarily harsh given that we only see a tiny percentage of our fault-based claims occur on motorways. “
Carrot says young people need telematics and newer cars with better safety equipment. I agree telematics will allow safer drivers to prove themselves over time so they'll get cheaper insurance.
Personally I think all drivers would benefit from better teaching. Driving is a life skill, so I would like to see driving taught at school. My school did take us for a few basic lessons, although we were all scrunched into tiny cars, clinging on for dear life as a certain girl braked as though stamping on ants.
Learning starts when children observe their parents' driving. So one of the best things parents could do to make sure their children are good drivers in the future, is to drive considerately themselves. And Mums should drive with Dad in the car to show their daughters driving is not just for the boys.
See my feature on getting cheaper insurance here