Ever since the hot hatch backs of the 80s and the young joy riders creating havock on the UK streets, your peoples car insurance has rocketed up and has not even considered comming back down to earth. There are obvious reasons for this with the risk factor being so high soon after passing their test and even sensible young drivers being influenced by their peer group.

The high premiums create other social issues and risks such as not being insured at all. If your insurance policy is £1200 a year and the fine for not being insured is £200, it does not take a genius to understand why some young drvers would consider not to be insured.

Of course the uninsured driver creates issues for anyone caught up in accident with them. No payment for any insurance claim and losing your car, belongings or even your life creates a social dilema also. The Pass Plus is away of reducing premiums, but there is crticism in the ranks that it costs too much and in fact more than the saving to your premiums.

However the young driver who wishes to drive legally often finds him or herself, disposing of most of their income on a monthly insurance scheme or credit card, just to get through the first year. Some chose to be added to their parent's polices, although a good short term option, there always comes the time when they need to start their own policy.

Making the first car a small engine car is also an option, but this interferes with "street cred" and the very dream they have spent probably several hundred pounds in lessons and the price of the car just to get to.Insurance companies probably know this and even with the extra risk factor, know they will still get eager kids wanting to buy insurance from them.

Other insurance companies just will not touch young drivers and stick to the 4 years no claims statemant so they can be seen as being low cost and not having anything to challenge the premiums they can offer their customers.

It si almost like a small piece of the learning curve young people have to go through in odern times. Computers, relationships, carreers and expensive car insurance. Do I wish I was young again?-Not on your nelly!

P.S. Once you can afford your car insurance then you may be able to get your car breakdown cover policy online through us.